TaxReliefIQ
Meet IRIS and Audette·Your personal AI tax pros

Owe the IRS?Stop losing sleep.We build your way out.

Tell us what you owe. In minutes, you'll see how much less you could pay, how to stop the letters and threats, and a clear plan to put this behind you — for good.

Get my relief plan→See how it works

Takes about 2 minutes · Free · No credit card · We never share your info

  • Licensed & Trusted
    EA / CPA represented
  • AI-Powered Plans
    Smarter. Faster. Accurate.
  • Private & Secure
    Your info stays yours
IRIS Tax Helper
Helping with: Settle for less?
live
You'd pay
$12,840
was $87,432
Approval odds
92%
based on your case
IRS hold
On
They can't collect
10,000+
Taxpayers Helped
2 MIN
To Get Your Plan
$300M+
In Tax Debt Resolved
100%
Secure & Confidential
As featured in
ForbesNerdwalletYahoo! FinanceMarketWatchUSA TodayWSJ
What we help with

From one missed return…
to a big business mess.

Meet the team
IrisHelps with personal taxes
AudetteHelps with business taxes
  • IRS
    Back taxes
    Money you owe the IRS
  • Filing
    Old returns
    We file the years you missed
  • Protection
    Stop wage or bank grabs
    We make them stop taking your money
  • 1099
    Self-employed taxes
    For freelancers and gig workers
  • Payroll
    Unpaid payroll tax
    Keeps you safe — even if it's your business
  • Business
    Small business taxes
    Any size — LLC, S-corp, or partnership
  • Audits
    IRS audit help
    We deal with the IRS, you don't
  • State
    State taxes
    Money you owe your state, too
Before you start

See if you qualify in 30 seconds.

A quick check to see where you stand. No SSN. No signup. Even 1 of 3 is usually enough to start a plan.

Quick eligibility check
0/3 · 30 seconds

Tick what applies. Even 1 of 3 is usually enough to start a plan.

Not sure? Start the plan — we'll figure it out →
Start your relief plan · IRIS copilot live

Five small steps. One clear plan.

IRIS, your tax copilot, walks you through it. Tell it what you owe, see your real options, then we email the plan. Takes about 60 seconds — no SSN, no signup.

  1. Owe
    now
  2. Returns
  3. Preview
  4. Privacy
  5. Send
IRIS · Tax Copilot
Step 1 of 5 · What you owe
Step 1 of 5

Roughly how much do you owe the IRS?

No SSN requiredBank-level encryptionPlan emailed in minutes
2-minute intake

Tell us four things. Get your strategy.

No SSN, no name, no signup. IRIS scores your case against every IRS program and shows you the path with the highest acceptance odds.

Prefer the full guided intake?

Anonymous · for guidance only · not legal or tax advice

Sample previewFill the form to get yours

Partial Pay Installment Agreement

Pay only what you can afford until CSED expires.

Settle for
$21,150
of $47,000
Reduction
55%
Acceptance
88%
Next steps
  • Reconcile income & allowable expenses
  • Draft Form 433-F
  • Submit PPIA proposal
  • Request first-time penalty abatement

Sample case: $47,000 debt · $4,200/mo income · reduced-income hardship. Your numbers will produce a different plan.

How it works

Watch your numbers, live.
No paperwork. No waiting.

IRIS asks 5 simple questions. Your IRS forms fill in on screen. Your payoff number updates as you type. Each plan turns green or red — with a plain reason why.

  • See your odds with no SSN or name
  • Every answer in plain English — no jargon
  • Want a real tax pro? Just one click
Try it free →
Optimization Engine
Scanning 5 IRS relief programs
1
2
3
5
Live Projected Payoff
$2,160
95% Debt Forgiveness Applied
IRS TOTAL: $47,000ADJUSTED: $2,160
Form 656: Offer in CompromiseAuto-populating line 5c
Your case · live

Your fix, built step by step.

You always see what's done, what's next, and why — in plain words. No mystery, no waiting on a phone call.

Progress
73%
Steps done
2/4
  1. Catch up on old returns
    Last 6 years filed for you
    Done

    2019–2024 filed. 2017 and 2018 rebuilt from IRS records — you didn't need to find a thing.

    100%
  2. Stop the IRS
    No more paycheck or bank grabs
    Done

    We hit pause so they can't touch your money while we work. Bank freeze lifted 4/12.

    100%
  3. 03
    Your money picture
    Income and bills filling in
    Working on it

    We check your income, bills, and savings against what the IRS lets you keep.

    72%live
  4. 04
    Pick the best plan
    Pay-less plan is the best fit
    Up next

    We compared 5 plans. Paying less than you owe is the best fit — 92% chance of approval.

    18%
Best plan for you: Settle for less
Pay about $12,840 instead of $87,432 · 92% chance of approval
See my case →
Settlement calculator

Compare every path. Side by side.

Adjust the assumptions on the left. Watch how Offer in Compromise stacks up against installment options in real time.

Your assumptions
$87,432
$5,200
$4,400
$8,000
7 yr
Estimates use simplified IRS formulas (RCP, CSED, IRS Collection Financial Standards). Actual outcomes depend on full documentation. Not legal or tax advice.
Best total cost
Offer in Compromise
Lump-sum settlement based on what IRS can collect.
Likely outcome
$16,000
Reduction
82%
Acceptance
82%
Structure
Lump sum
  • 5 lump-sum payments after acceptance
  • Requires Form 656 + 433-A (OIC)
  • Collections paused during review
Streamlined Installment
72-month payment plan, no financial disclosure.
Likely outcome
$87,432
Reduction
0%
Acceptance
70%
Monthly
$1,215 × 72
  • Balance over $50k requires disclosure
  • Interest continues to accrue
  • Penalty abatement may still apply
Partial Pay Installment
Pay what you can until CSED expires.
Likely outcome
$60,480
Reduction
31%
Acceptance
88%
Monthly
$720 × 84
  • Remaining balance written off at CSED
  • Requires Form 433-F, reviewed every 2 years
  • Good fit when OIC is denied
Penalty reduction

Most of what you owe isn't tax. It's penalties.

See exactly which IRS penalties stack against you, and which ones can be abated, reduced, or removed entirely — with the relevant IRS authority cited inline.

$
Failure-to-File
5% of unpaid tax per month, capped at 25%.
IRM 20.1.1.3.6
Current
$11,250
Reduction
−$11,250
100% · First-Time Abatement
Remaining
$0
FTA wipes 100% if you have 3 clean prior years.
Failure-to-Pay
0.5% per month while balance is unpaid, capped at 25%.
IRC § 6651(a)(2)
Current
$5,400
Reduction
−$5,400
100% · First-Time Abatement
Remaining
$0
Drops to 0.25%/month under an installment agreement; abates fully with FTA or accepted OIC.
Statutory Interest
Federal short-term rate + 3%, compounded daily.
IRC § 6601
Current
$7,200
Reduction
−$1,080
15% · Interest on abated penalties
Remaining
$6,120
Interest itself is rarely waived, but interest charged on abated penalties is removed.
Accuracy-Related
20% of any substantial understatement of tax.
IRC § 6664(c)
Current
$2,250
Reduction
−$2,250
100% · Reasonable Cause + Good Faith
Remaining
$0
Show you relied on professional advice and disclosed positions on the return.
Total estimated impact
Current
$26,100
Reduction
−$19,980
Remaining
$6,120
77% of penalties & interest abatable based on these inputs.

Estimates use current IRS rates and Internal Revenue Manual guidance. Actual abatement depends on documentation and IRS discretion. Not legal or tax advice.

4 simple steps

Every tax case follows
the same 4 steps.

See more →
01Step

Get caught up

The IRS won't talk to you until the last 6 years of returns are filed. We show you exactly what's missing.

We pull your IRS income records, find the missing years, and file them for you.

Learn more →
02Step

Stop the IRS

Paycheck being taken? Bank frozen? We file the paperwork that makes the IRS back off while we fix this.

It's a legal pause. No more letters. No more grabs from your bank or paycheck.

Learn more →
03Step

Show your numbers

Your IRS money form fills itself in. Your real payoff number updates as you type.

We use the IRS's own rules to figure out what you can really afford. No spreadsheets, no homework.

Learn more →
04Step

Make the offer

We send the IRS your offer to pay less. If sending it would actually hurt you, we tell you first.

The IRS only has 10 years to collect what you owe. We make sure your offer doesn't restart that clock by mistake.

Learn more →
What it does

Everything IRIS does, in plain English.

  • Fills out your IRS forms for you
  • Shows the lowest amount the IRS would accept
  • Tells you how long the IRS has left to collect
  • Warns you about shady tax-relief companies
  • Hands off to a real tax pro in one click
  • Cleans up unpaid payroll taxes
  • Keeps owners safe from personal blame
  • Checks your risk across all your businesses
  • Tells you the odds of an audit or fine
  • Writes the letter to get penalties dropped

In 2 minutes,
you'll know what you owe — and how to fix it.

Free. No signup. No SSN. Answer 5 quick questions and your plan shows up.

See My Plan →

* Numbers are estimates. Your real result may be a little different.