IRS Offer in Compromise Calculator (Free Settlement Estimate Tool)
Struggling with back taxes? Wondering how much the IRS might settle for? You're not alone — and now, you don’t have to guess.
At Boulanger CPA, we’ve built a free, confidential Offer in Compromise (OIC) calculator to help you estimate your lowest possible IRS settlement — without speaking to an agent, and without entering sensitive personal information.
π Click here to try the calculator now
What Is an Offer in Compromise?
An Offer in Compromise is a legal IRS settlement program that allows qualified taxpayers to settle their tax debt for less than the full amount owed. It’s based on your ability to pay, not the size of your debt.
If you can prove that full payment would cause financial hardship — or is simply not possible based on your income, assets, and expenses — the IRS may agree to accept a reduced lump sum or payment plan.
But here’s the catch: most offers are denied because they’re:
- Overestimated
- Missing documentation
- Filed by companies that don’t understand IRS financial standards
That’s why having a CPA-backed estimate — like the one in our tool — can give you a realistic, strategic starting point.
How the IRS Calculates Your Offer
The IRS bases your offer amount on what it calls your Reasonable Collection Potential (RCP). This includes:
- Disposable income (what’s left after allowable living expenses)
- Equity in assets (bank accounts, vehicles, property)
- Future income (usually over 12 or 24 months, depending on your payment plan)
Even if you appear eligible, the IRS still rejects many applications. Understanding why the IRS rejected your Offer in Compromise often comes down to small errors in paperwork, incomplete financials, or failure to stay compliant during the process.
What Makes Our OIC Calculator Different?
Unlike most generic “debt settlement” websites, our calculator is:
- β Built by a licensed CPA who’s negotiated real IRS settlements
- β Based on current IRS Collection Financial Standards
- β Free, private, and easy to use — no contact info required
- β Designed for taxpayers who want to plan, not guess
For some clients, following the IRS installment agreement guide is the more realistic option. But beware —defaulting on an IRS installment agreement can trigger new penalties and collections. That’s why we stress tax compliance as the key to resolving debt before and after any settlement.
Ready to Take the Next Step?
Using a calculator is just the beginning. If you're serious about resolving your IRS tax debt, let’s build a real strategy that protects your paycheck, your home, and your peace of mind.
π Call 657-218-5700 or book a consultation here
During your call, you’ll speak directly with Marc Boulanger, CPA — not a sales rep or call center. We’ll review your situation and confirm whether you qualify for an OIC or another program that fits your needs.
Bonus: Get the Book That Breaks It All Down
Want a deeper understanding of how the IRS works — and how to beat them at their own game?
π
Defend What’s Yours: A California Taxpayer’s Guide to Beating the IRS and FTB
Clients often say they had to explore more in Defend What’s Yours before finally understanding how to resolve their debt.
Ask for a free copy when you schedule your consultation.
related reading
- What Is an IRS Offer in Compromise?
- Can You Really Settle IRS Tax Debt for Pennies?
- How the IRS Calculates Your Offer in Compromise
Frequently Asked Questions
What is the IRS Offer in Compromise calculator?
It’s a tool that estimates your potential IRS settlement amount under the Offer in Compromise program based on your income, expenses, and assets.
How accurate is the calculator?
The calculator provides an estimate. The IRS makes final determinations using its own financial analysis and allowable expense standards.
What information do I need to use the calculator?
You’ll need details about your income, monthly expenses, bank balances, equity in assets, and household size to get an accurate estimate.
Does the calculator guarantee IRS acceptance?
No. While it helps determine eligibility, the IRS reviews each case individually and may accept, reject, or counter your offer.
What if the calculator shows I don’t qualify?
You may still explore other relief options such as installment agreements, Currently Not Collectible status, or penalty abatement.
Is the calculator free to use?
Yes. Our IRS Offer in Compromise calculator is free and available online for taxpayers seeking settlement estimates.
Should I get professional help even if I use the calculator?
Yes. A CPA can verify eligibility, prepare accurate financial disclosures, and strengthen your application for IRS approval.
π£ About the Author
Marc Boulanger, CPA is the founder of Boulanger CPA and Consulting PC, a boutique tax resolution firm based in Orange County, California and trusted by high-income individuals and business owners across Southern California.
He is the author of Defend What’s Yours: A California Taxpayer’s Guide to Beating the IRS and FTB at Their Own Game, available now on Amazon. The book offers a step-by-step plan for resolving IRS and FTB tax debt without losing your business, your home, or your peace of mind.
With over a decade of experience resolving high-stakes IRS and State tax matters, Marc brings strategic insight to complex cases involving wage garnishments, bank levies, unfiled returns, and six-figure tax debts. He is known for helping clients reduce or eliminate tax liabilities through expertly negotiated settlements and compliance plans.
Marc is a Certified Public Accountant licensed in California and Oklahoma and holds the designation of Certified Tax Representation Consultant. He is a member of the American Society of Tax Problem Solvers (ASTPS) — the national organization founded by the educators and practitioners who have trained thousands of CPAs, EAs, and tax attorneys in IRS representation strategy.
Every case is handled with discretion, proven methodology, and direct CPA-led representation — not call center scripts.
π Learn more at www.orangecounty.cpa or call (657) 218-5700.
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