Tools · IRS Resolution & Collections

Offer in Compromise Calculator

RCP & Form 656433-A(OIC)★ PRO

Active client

Taxpayer name

Preparer / firm

Total tax debt owed (all years)

People in household

People under 65

People 65 and older

Enter the fair market value and any loan against each asset. The IRS values non-cash assets at 80% (quick-sale value); cash counts in full.

Asset	Fair market value	Loan balance	Realizable equity

Net realizable equity$0

Average gross monthly income from all sources.

Wages / salary (gross)

Net business income / month

Other (SS, pension, rental, etc.)

Total monthly income$0

The IRS allows the national standards automatically; housing and transportation are local — look them up and enter them.

National standard (food, clothing, personal care) — auto$0

Out-of-pocket health care — auto$0

Housing & utilities (local)

Transportation (ownership + operating)

Health insurance premiums

Estimated taxes withheld / paid

Other necessary (court-ordered, child care, term life)

Total allowable expenses$0

Monthly disposable income$0

Lump-sum cash — future income ×12, 20% with the application. Periodic payment — future income ×24, first payment with the application.

Client meets the IRS low-income certification — waives the $205 fee, the initial payment, and monthly payments during review.

Minimum offer amount

Form 433-A(OIC)Minimum Offer Amount

Box AAvailable equity in assets (Section 7)$0

Box BFuture remaining income (Section 8)$0

Amount of Offer (Box A + Box B)$0

This is the minimum the IRS formula supports — the figure you enter on Form 656.