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Which IRS relief option fits you?

Answer five quick questions and see which options may fit your situation, in the order we'd usually look at them. No email needed.

Built by Jonathan Samuel, EA · Updated October 18, 2026
1. About how much do you owe?
2. Have you filed all your tax returns?
3. After rent, food and other basics, could you make a monthly payment?
4. Is the IRS already taking money from you?

For example, a wage garnishment, a bank levy, or a seized refund.

5. Before this, did you have IRS penalties in the last three years?

The options, in plain terms

Payment planMonthly payments over time. The most common way people resolve a balance. Learn more.
Currently not collectibleThe IRS pauses collection when paying would leave you unable to cover basic living expenses.
Offer in compromiseSettling for less than you owe, when your finances show the IRS can't reasonably collect the full amount.
Penalty reliefRemoving penalties, and the interest on them, when you qualify. Check here.

This quiz gives a general starting point, not tax advice. Which options you actually qualify for depends on your full financial picture and the IRS's review.

Helpful reading

GuideCan't pay your taxes?All five options, side by side. ToolPayment plan calculatorEstimate your monthly payment. ServicesHow we can helpEverything we handle for you.