---
title: Free IRS Tax Debt Calculators and Tools | TaxTruce
url: https://taxtruce.com/tools
updated: 2026-10-29
---

# Free IRS debt tools

Estimate penalties, plans and the 10 year clock.

[**Penalty and interest calculator**See what late filing and late paying add.](/tools/penalty-calculator)[**Payment plan estimator**Monthly payment, setup fee and plan type.](/tools/payment-plan-estimator)[**Notice decoder**Type the code from the top right of your letter.](/tools/notice-decoder)[**Collection clock**When the 10 year IRS clock may end.](/tools/collection-clock)[**Offer in compromise check**Five questions, then the real IRS tool.](/tools/oic-quick-check)

This is an estimate based on public IRS rules and rates as of October 1, 2026. Your IRS notice or online account shows your real balance.

## Which tool should I use?

Got a letter? Start with the notice decoder. It tells you what the code means and how urgent it is.

Want to see what you may owe? The penalty calculator estimates late filing and late payment penalties plus interest. The payment plan estimator shows a monthly payment and the setup fee.

The collection clock shows when the IRS time to collect may end. The offer quick check walks you through the basics, then sends you to the free IRS Pre-Qualifier tool.

## Common questions

Do these tools save my information?

No. The tools run in your browser. Nothing is sent unless you ask for help on the form.

Are these numbers my real balance?

No. They are estimates. Your IRS notice or online account shows your real balance.