Owe the IRS? See the real number first.
What the IRS can actually collect from you, worked out in front of you, before you pay anyone to tell you.
Use our free tools to understand exactly where you stand. If you want help acting on it, our paid services are there when you're ready — not before.
No account. No sales call. Nothing you enter is stored.
- You owe
- $21,954.00across 1 tax year
- Monthly income
- $5,633.33
- Allowable expenses
- $6,578.00you listed $5,360.00
- Left each month
- $0.00expenses exceed income by $944.67
- Reachable equity
- $990.00
- IRS could collect
- $990.00equity plus 12 months of what is left · $990.00 over 24
- Food, clothing, misc.$1,857.00 computed
- Housing and utilities$2,350.00 computed
- How min(actual, localStandard)
- Modelesser of actual or standard rule constant: housing_utilities
- Household size3 computed
- Local standard$3,196.00 IRS local housing and utilities standard, household size 3
- Claim$2,350.00 you entered
Basis IRM 5.15.1.9 · Form 433-A(OIC) Sec. 7 line 40
- Car payment$410.00 computed
- Car running costs$291.00 computed
- Medical costs$270.00 computed
- Health insurance$420.00 computed
- Taxes withheld$980.00 computed
- 9 more at $0.00
The industry sells the call. We show the arithmetic.
Most tax-relief advertising gets you onto a phone before anyone has looked at your numbers, then quotes a fee for a result nobody can promise. The IRS does not negotiate on charm. It applies published standards for living expenses, discounts what you own by fixed rules, and compares the result to what you owe. Anyone can run that arithmetic. Almost nobody shows it to you. We built the thing that does.
Start with the letter, and know how much time you have.
Type the notice code, or photograph the page and we read it. That one code tells us where you are in the process, what right it creates, and what the rule says about your deadline, with the citation. The date printed on your notice always controls, and we say so.
See your free options
Every option the IRS offers, with a monthly number on each.
Guaranteed and streamlined payment plans, a plan based on your budget, a partial-payment plan, a pause on collection, an offer in compromise. For each one: whether the published criteria appear met on your figures, what it would cost a month, how long it would run, and what it requires. Options that are not on the table say why, in one line.
See how the comparison works
See where every number came from. Then decide who to trust.
Touch a figure and it opens: the formula in words, each input with its source, and the IRS Manual section it rests on. We also list what the calculation leaves out and which way each omission moves your numbers. When something turns on judgment rather than arithmetic, the page says a person should look at it, and stops.
What we deliberately do not do
You got a letter and want to understand it before you call anyone.
Ten minutes, no account, and you leave knowing which options exist for a balance like yours and roughly what each costs a month.
You have been quoted a fee and want a second look at the arithmetic.
Run the same figures here. If the IRS's own formula says a payment plan pays this off, an offer is unlikely to be accepted, and you should know that before paying anyone to file one.
You are a professional who wants the trace, not a summary.
Every step carries its rule and citation, and the full worksheet is one tap away. Write to us about the expert tools.
Ten minutes. Every option. All the arithmetic.
Free and complete. If a licensed professional should look at your case, the page will tell you, and it will tell you why.
Start with your noticeInformation, not advice. Not affiliated with the IRS. Nothing is filed from this site.