Can you settle for pennies?

No. This quiz is a rough screen based on the factors the IRS weighs — income, assets, filing compliance, and ability to pay. The IRS decides every offer on its own formula, and no outcome is guaranteed. A strong result means it's worth a CPA's serious look, not that it's a sure thing.

In FY2025 the IRS accepted about 14% of offers submitted. Most rejections come down to bad math — offering less than the IRS's own formula says you can pay — missing documentation, or applying when you were never eligible to begin with (unfiled returns, for example).

Yes. The IRS generally won't consider an offer until every required return is filed and you're current on withholding or estimated payments. Missing returns? Getting compliant comes first — then we rerun the math.

Then we say so — and point you at what actually works. For many people that's a structured installment agreement, and for some it's currently-not-collectible status. Either way, you get an honest plan instead of a doomed application.