Owe the IRS? Get an Estimate of What Your Monthly Payment Might Be.
A simple calculator built by a former government tax auditor to help you understand what the IRS might expect you to pay each month. This is an estimate—not a guarantee—but it can give you a starting point.
Important: This is an estimator tool, not a solution.
This calculator provides an estimate based on IRS formulas, but your actual payment may vary depending on your complete financial situation, additional factors the IRS considers, and changes in IRS policies. This tool does not replace professional tax advice.
Who Might Find This Helpful?
Tax Professionals & Accountants
Get a quick baseline estimate for clients who owe back taxes. Use this as a starting point for conversations about payment options and next steps.
Individuals Exploring Their Options
Get a general idea of what you might owe monthly so you can decide your next steps—whether that's seeking professional help or exploring the IRS's online payment options for balances under $50,000.
Anyone Checking Eligibility
Find out if you might qualify for IRS self-service payment options (typically for balances under $50,000) or if your situation may require professional assistance.
Confused About What the IRS Might Expect You to Pay?
If you owe back taxes, the IRS doesn't make it easy to understand what your monthly payment might look like. Without a clear picture, it's hard to know whether to handle it yourself (if you qualify for self-service options), seek professional help, or explore other alternatives.
This estimator gives you a starting point—not a final answer, but a reasonable estimate based on how the IRS typically calculates payment plans.
Get a Baseline Estimate Using IRS Formulas
The IRS Installment Agreement Estimator uses formulas similar to what the IRS uses when evaluating payment plans. While your actual payment may differ based on your complete financial picture and other factors, this tool can help you get a general sense of what to expect.
What This Tool Can Help You Do
Get a rough estimate of monthly payments based on IRS formulas
Understand if you might qualify for self-service options (under $50K)
Have a starting point for conversations with tax professionals
See if you might qualify for "currently not collectible" or "partial pay" status
Make more informed decisions about your next steps
Please note: This is an estimate only. Your actual payment may be different based on factors not included in the calculator, changes in your financial situation, or additional IRS requirements.
What You Get for $27
Instant digital download—access immediately after purchase
Excel-based calculator
Step-by-step video instructions to help you use the calculator
See if you might qualify for "currently not collectible" or "partial pay" status
A baseline estimate to help you understand your situation
Lifetime access—use it as many times as needed
Questions? You're Not Alone.
When you purchase the estimator, you also get access to a private support group where you can ask questions about using the tool or understanding your results.
Support group includes:
Help using the calculator effectively
Guidance on interpreting your estimate
Answers to questions about the tool
A community of others in similar situations
Important: The support group is for questions about using the estimator tool. It does not provide personalized tax advice or IRS representation. For help resolving IRS issues, you should consult a qualified tax professional.
Created by a Former Government Tax Auditor
Why I Built This Tool
Hi, I'm Desarie Anderson, CPA, EA. I used to work as a tax auditor for a government agency, so I've seen firsthand how the IRS evaluates payment plans and what information they consider.
I created this estimator because I noticed that people often have no idea what to expect when they owe the IRS. This tool won't solve your tax problems, but it can give you a clearer picture of what you might be dealing with—so you can make better decisions about your next steps.
Remember: This is an estimate based on typical IRS calculations. Your actual situation may be different, and this tool does not replace professional tax advice or representation.
Common Questions
Will this solve my IRS problems?
No. This is an estimator tool that helps you understand what your monthly payment might be. It doesn't solve IRS issues, file paperwork, or negotiate on your behalf. It's a starting point to help you understand your situation and decide your next steps.
How accurate is this estimate?
The calculator uses formulas similar to what the IRS uses, but it's still an estimate. Your actual payment may be different based on your complete financial picture, factors not included in the calculator, or changes in IRS policies. Think of it as a reasonable baseline, not a guarantee.
Can I use this instead of hiring a tax professional?
This tool helps you understand what you might owe, but it doesn't replace professional help. If you have a complex tax situation, owe a large amount, or are already in collections, you should strongly consider working with a qualified tax professional.
What if I owe more than $50,000?
The estimator works for any amount owed. However, if you owe more than $50,000, you typically can't use the IRS's online self-service option and will need to submit additional financial documentation. In these cases, professional help is often recommended.
Can I use this if I'm already in collections?
Yes, you can use the estimator to get a sense of what a payment plan might look like. However, if you're already in collections, you should seriously consider getting professional help to navigate the process.
What if I don't understand how to use the calculator?
That's what the support group is for. You can ask questions about using the tool and interpreting your results. However, the support group does not provide personalized tax advice or IRS representation.
Is this a one-time payment?
Yes. $27 one-time payment. No subscriptions, no recurring charges.
Can tax professionals use this for multiple clients?
Yes. Tax professionals can use the calculator for as many clients as needed. It's a one-time purchase with lifetime access.
Get the Estimator — $27
A simple tool to help you understand what your IRS monthly payment might look like.
✓ Instant digital access
✓ Excel-based calculator with instructions
✓ Support group access for questions
✓ Lifetime access
Secure checkout • Instant access • No subscriptions
This is an estimator tool only. Results are estimates and may differ from actual IRS calculations. This tool does not provide tax advice or IRS representation.