TaxAudit — Form 433-A (OIC) Guided Wizard

Who you are 2–4 min

Enter your details exactly as they appear on your most recent tax return.

Last Name

First Name

Date of Birth

SSN / ITINSocial Security Number or Individual Taxpayer ID

Test Email (Dev Only)

Where you live 3–6 min

Use the address where you currently receive IRS mail. Your county of residence affects your IRS expense allowances.

Home Physical Address

Street Address

City

State

ZIP Code

County of ResidenceCheck your voter registration card or county tax bill if unsure.

Home Ownership

Community property state

Contact

Primary Phone

Secondary Phone

FAX

Mailing Address (if different from home)

Street Address

City

State

ZIP Code

Your household 4–10 min

The IRS uses household size and composition to determine your allowable expenses.

Marital Status

Date of Marriage

Spouse Information

Spouse Last Name

Spouse First Name

Spouse DOB

Spouse SSN

Household Members

List dependents and other household members (up to 4).

Name	Age	Relationship	Dependent?	Contributes to Income?

Where you work 4–8 min

You'll need a recent pay stub or W-2 for your employer's full address.

Your Employment

Employer's Name

Employer's AddressStreet, City, State, ZIP

Pay Period

Ownership Interest in Business?

Your Occupation

How Long with Employer

yrsmos

Spouse's Employment

Spouse's Employer Name

Spouse's Employer Address

Pay Period

Ownership Interest?

Spouse's Occupation

How Long with Employer

yrsmos

Bank accounts & investments 10–25 min

Report all accounts at their current balance. The IRS deducts $1,000 from your total bank balance as a basic living allowance.

Have these ready before you start this section:

Most recent statement for each bank account (checking, savings, money market)
Most recent statement for each investment or brokerage account
Current value of any cryptocurrency or digital assets

Bank Accounts

Account 1

Account Type

Bank Name

Account Number

BalanceCurrent balance

Account 2 (optional)

Account Type

Bank Name

Account Number

BalanceCurrent balance

Total from Additional Bank AccountsIf you have more than 2 accounts, enter the combined total of all additional accounts here

Line (1): Total Bank Accounts minus $1,000 allowance = $0.00

Investment Accounts (optional)

Account 1

Type

Institution

Account Number

Current Market Value

Loan BalanceOutstanding loan against this account

Account 2 (optional)

Type

Institution

Account Number

Current Market Value

Loan Balance

Line (2): Net Investment Equity = $0.00

Digital Assets (optional)

Description

Number of Units

Location / Exchange

Account Number

USD Equivalent TodayCurrent value in US dollars

Line (3): Digital Asset Value = $0.00

Retirement & life insurance 5–15 min

The IRS values retirement accounts at 80% of market value to account for early withdrawal penalties.

Have these ready:

Most recent 401(k), IRA, or pension account statement showing current balance
Life insurance policy documents showing cash value (whole life only — term life has no cash value)

Retirement Account (optional)

Type

Institution

Account Number

Current Market ValueValue × 0.8 = Quick Sale Value

Loan BalanceOutstanding loan against this retirement account

Can you withdraw while still employed? If no, the IRS may exclude this account from your offer calculation. Include written proof from your employer or fund manager.

Line (4): Retirement Equity (Value × 0.8 − Loan) = $0.00

Life Insurance (optional)

Company Name

Policy Number

Policy Type Term life has no cash value. Only whole life policies are counted by the IRS.

Cash Value

Loan Balance

Line (5): Life Insurance Equity (Cash Value − Loan) = $0.00

Real property 8–20 min

The IRS values real estate at 80% of current market value (Quick Sale Value). Include any home, condo, rental property, or land you own.

Have these ready:

Most recent mortgage statement (lender name, address, phone, remaining balance)
Current market value estimate — check Zillow, Redfin, or a recent appraisal
Purchase date from your closing documents or deed

Real Property 1 (optional)

Description / Property Type

Date Purchased

Monthly Mortgage Payment

Final Payment Date

Title Type

Property Location

Lender Name, Address, Phone

Current Market ValueValue × 0.8 = Quick Sale Value

Loan BalanceTotal remaining mortgage balance

Real Property 2 (if applicable)

Property description

Address

Lender name and address

Current fair market value ($)

Balance owed on loan ($)

Monthly Mortgage Payment

How is title held?

Date of purchase

Real Property Equity (Value × 0.8 − Loan) = $0.00

Vehicles & valuables 8–18 min

The IRS values vehicles at 80% of market value and deducts $3,450 per vehicle. Personal effects get an $11,710 deduction.

Have these ready:

Vehicle registration (for license/tag number and year)
Most recent auto loan statement (for remaining balance)
KBB or Edmunds estimate for current market value of each vehicle

Vehicle 1 (optional)

Make / Model

Year

Date Purchased

Current MileageVehicles over 75,000 miles or 6+ years old may qualify for higher operating expense allowances.

License / Tag Number

Lease or Own?

Creditor

Final Payment Date

Monthly Payment

Current Market ValueValue × 0.8 = Quick Sale Value

Loan Balance

Vehicle 2 (optional)

Make / Model

Year

Date Purchased

Current Mileage

License / Tag Number

Lease or Own?

Creditor

Final Payment Date

Monthly Payment

Current Market Value

Loan Balance

Vehicle Equity (Value × 0.8 − Loan − $3,450 each) = $0.00

Other Valuable Items (optional)

Description

Market ValueValue × 0.8 = Quick Sale Value

Loan Balance

Line (6): Other Items Equity = $0.00

Personal Effects (optional)

Description

ValueValue × 0.8 = Quick Sale Value

Loan Balance

Line (7): Personal Effects Equity (Value × 0.8 − Loan − $11,710 deduction) = $0.00

Box A — Total Available Individual Equity in Assets = $0.00

Your business 8–20 min

Complete this section because you indicated self-employment. If this doesn't apply, go back and update your employment information.

Have these ready:

Most recent business bank statement
Your Employer Identification Number (EIN)
Current accounts receivable aging report or customer invoice list

Section 4 — Sole Proprietorship

Do you have a sole proprietorship?

Business Name

Business Address

Business Phone

EIN

Website

DBA (Doing Business As)

Business Description

Number of Employees

Tax Deposit Frequency

Gross Monthly Payroll

Other Business Interests

Do you have other business interests?

Percentage Owned

Your Title

Business Name & EIN

Section 5 — Business Assets

ℹ️ The IRS expects business and personal finances to be kept separate.

Business Bank Account BalanceTotal of all business bank accounts

Business Digital Assets (USD)

Business Equipment (Market Value)Value × 0.8; exclude production-of-income items

Equipment Loan Balance

Notes / Accounts ReceivableMoney owed to your business by customers

Box B — Available Business Equity in Assets = $0.00

Business income & expenses 10–25 min

Use monthly averages from the past 6–12 months.

Have these ready:

Most recent Schedule C or a current Profit & Loss statement
6 months of business bank statements to verify income averages

Section 6 — Monthly Business Income

Gross Receipts

Rental Income

Interest Income

Dividends

Other Business Income

Total Business Income = $0.00

Monthly Business Expenses

Materials Purchased

Inventory Purchased

Gross Wages & Salaries

Rent

Supplies

Utilities / Telephone

Vehicle Costs

Insurance

Current Taxes

Secured Debts

Other Expenses

Total Business Expenses = $0.00

Box C — Net Business Income (Income − Expenses) = $0.00

Monthly household income 5–12 min

Enter your household's average gross monthly income from all sources. If paid bi-weekly, multiply your gross pay × 2.167. If paid weekly, multiply × 4.33.

Have these ready:

Most recent pay stub (for gross wages before deductions)
Social Security award letter (if applicable)
Pension or annuity statements showing monthly amounts

Primary Taxpayer

Gross Wages (Line 22)Total monthly gross wages before any deductions

Social Security (Line 23)Monthly Social Security benefits you receive

Pension (Line 24)Monthly pension or annuity payments

Other Income (Line 25)Disability, unemployment, or any other monthly income

Spouse

Spouse Gross Wages (Line 26)Spouse's total monthly gross wages

Spouse Social Security (Line 27)

Spouse Pension (Line 28)

Spouse Other Income (Line 29)

Additional Income Sources

Additional Household Income (Line 30)Income from other household members who contribute

Interest / Dividends / Royalties (Line 31)

Distributions (Line 32)From partnerships, S-corps, etc.

Net Rental Income (Line 33)

Net Business Income — Box C (Line 34)Auto-filled from your business section

Child Support Received (Line 35)

Alimony Received (Line 36)

Box D — Total Household Income = $0.00

Monthly household expenses 10–20 min

Enter your average monthly expenses. The IRS has set allowable limits for some categories.

Have these ready:

Recent utility bills or bank statements to estimate housing and utilities total
Health insurance premium from your most recent pay stub or insurer statement
Court orders for any child support or alimony you pay

Food, Clothing & Misc (Line 39)IRS National Standard — enter the full allowable amount even if you spend less

Housing & Utilities (Line 40)IRS Local Standard — rent or mortgage + utilities

Vehicle Loan / Lease (Line 41)Monthly car payment or lease payment for all vehicles

Vehicle Operating Costs (Line 42)Gas, insurance, maintenance, registration, parking

Public Transportation (Line 43)Bus, train, rideshare costs

Health Insurance Premiums (Line 44)Monthly premiums for medical, dental, and visionIf not deducted from your paycheck, include proof of payment for the last 3 months.

Out-of-Pocket Health Care (Line 45)Copays, prescriptions, and medical costs not covered by insurance

Court-Ordered Payments (Line 46)Child support or alimony required by a court order

Child / Dependent Care (Line 47)Daycare, after-school care, or elder care

Life Insurance Premiums (Line 48)Monthly term life insurance premiums only

Current Monthly Taxes (Line 49)Federal, state, local withholding + estimated payments

Secured Debts / Other (Line 50)Loans secured by assets not listed elsewhere

Delinquent State/Local Tax (Line 51)Monthly payments toward past-due state or local taxes

Box E — Total Household Expenses = $0.00

Box F — Remaining Monthly Income (Box D − Box E) = $0.00

ℹ️ Remember to include a copy of the court order with your submission package.

Section 8 — Your minimum offer amount

Based on what you've entered, here is your IRS-calculated minimum offer. You must offer at least this amount.

Box F — Remaining Monthly Income: $0.00

Payment Option

Lump Sum Cash Offer — Box F × 12 months

Pay 20% of your total offer within 5 days of acceptance, then the remaining balance in 5 or fewer monthly payments. This option results in a lower offer amount.

With a lump sum offer, you'll need to submit 20% of your total offer amount plus the $205 IRS application fee with your submission.

Box G (Lump Sum): $0.00

Periodic Payment Offer — Box F × 24 months

Pay your offer in monthly installments over 6 to 24 months. You must make the first payment with your application and continue payments while the IRS reviews your offer. This option has a higher offer amount but smaller monthly payments.

Your periodic payment offer exceeds 80% of your tax debt. The IRS requires your offer amount to be below this threshold. Please select the lump sum option.

With a periodic payment offer, you'll need to submit your first monthly payment plus the $205 IRS application fee with your submission.

Box H (Periodic): $0.00

Preferred payment day of the month

Your Minimum Offer

Box A — Individual Asset Equity: $0.00

Box B — Business Asset Equity: $0.00

Future Income (Box G or H): $0.00

Minimum Offer Amount = $0.00

Minimum Offer = Box A + Box B + (Box G or Box H)

⚠️ Your bank balances exceed your estimated offer amount. The IRS may question this.

⚠️ Your asset equity exceeds your tax balance.

Section 9 — Other information 3–8 min

Answer each question honestly. Most taxpayers answer No to all of these.

Filed bankruptcy in the past 7 years?

Details (date filed, district, case number, status)

Lived outside the U.S. for 6+ months in the past 10 years?

Party to any lawsuit or litigation?

Details (case name, court, status)

Party to any IRS or U.S. government litigation?

Trustee, fiduciary, or contributor of a trust?

Have a safe deposit box?

Details (bank, box number, contents)

Beneficiary of a trust, estate, or life insurance policy?

Transferred assets over $10,000 in the past 10 years?

Own assets or property outside the U.S.?

Funds held in trust by a third party?

Section 10 — Declaration & download

Review your information below. Use the Back button to make corrections before signing.

Declaration: Under penalties of perjury, I declare that I have examined this offer, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete.

I, the taxpayer, acknowledge this declaration

Date

Spouse acknowledges this declaration

Date

Your Minimum Offer Amount = $0.00

Required Attachments Checklist

Check off each item you have prepared to include with your submission.

Pay stubs from each employer (most recent)
Investment / retirement account statements (most recent)
Digital asset records and account statements
Income source statements (Social Security, pension, etc.)
Bank statements — 3 months (individual), 6 months (business)
Form 433-B (OIC) if applicable (business)
Lender statements for all secured debts
Accounts / notes receivable documentation
State tax verification / payment agreements
Court orders (child support, alimony, etc.)
Trust documents (if applicable)
Special circumstances documentation
Form 2848 (Power of Attorney) if applicable
Completed Form 656 (Offer in Compromise)

✏️ Reminder: After downloading, print both forms and sign them by hand before mailing to the IRS.

The button below fills the official IRS forms with your information and downloads them as completed PDFs — ready to review, sign, and mail to the IRS.

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This tool does not constitute tax, legal, or financial advice. Consult a qualified tax professional before submitting any IRS forms.
Based on IRS Form 433-A (OIC) · Rev. April 2025 · © TaxAudit

Your Tax Relief Application

Who you are 2–4 min

Where you live 3–6 min

Your household 4–10 min

Where you work 4–8 min

Bank accounts & investments 10–25 min

Retirement & life insurance 5–15 min

Real property 8–20 min

Real Property 2 (if applicable)

Vehicles & valuables 8–18 min

Your business 8–20 min

Business income & expenses 10–25 min

Monthly household income 5–12 min

Monthly household expenses 10–20 min

Section 8 — Your minimum offer amount

Section 9 — Other information 3–8 min

Section 10 — Declaration & download

Have questions along the way? We have answers.