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IRS Debt Resolution
Offer in Compromise Pre-Qualifier
Answer a few questions about your income, expenses, and assets to estimate whether you may qualify for an IRS Offer in Compromise — and what your minimum offer amount might be.
Estimate only. This tool uses simplified IRS Reasonable Collection Potential (RCP) methodology. Actual OIC eligibility depends on full financial disclosure, IRS National/Local Standards, and case-specific factors. Always consult a qualified tax professional before submitting Form 656.
Basic Eligibility Check
The IRS requires these conditions before reviewing any OIC application.
Have you filed all required federal tax returns?
The IRS will not consider an OIC if you have any unfiled returns.
Are you currently in an open bankruptcy proceeding?
Active bankruptcy disqualifies you from an OIC until the case is closed.
Have you made all required estimated tax payments for the current year?
Self-employed taxpayers must be current on quarterly estimated payments.
Include all assessed taxes, penalties, and interest.
Official IRS OIC Pre-Qualifier
The IRS provides its own online pre-qualifier tool at IRS.gov. Use it alongside this estimate for a second data point.
IRS OIC Pre-Qualifier Tool →Key IRS Forms
IRS National Standards (2024)
Food, clothing & personal care allowances by household size:
| Household | Monthly |
|---|---|
| 1 person | $785 |
| 2 persons | $1,410 |
| 3 persons | $1,610 |
| 4 persons | $1,900 |
| Each add'l | +$341 |