Estimate your monthly IRS payment, the setup fee, and which plan you qualify for — guaranteed, streamlined, or negotiated.
Can't pay in full? The IRS lets you pay over time. See your estimated monthly payment, the setup fee, and whether you qualify for a simple plan or need a negotiated one.
Educational estimate using 2026 IRS rules. Guaranteed agreements (owe ≤ $10,000) and streamlined agreements (owe ≤ $50,000) require no financial disclosure and allow up to 72 months. Monthly amount assumes 7% interest plus a 0.25%/month pay penalty accruing during the plan. Setup fees shown are the 2026 online amounts. Not tax advice — the IRS sets the final terms, and balances over $50,000 require Form 433-F.
More free resolution tools: Offer in Compromise Estimator · Penalty & Interest Calculator · Installment Agreement Planner · Fresh Start Option Finder.