You're about to see how Setl helps you understand exactly what the IRS can legally require you to pay — and gives you everything you need to settle on your own terms.
✓ You are responsible for providing accurate financial information.
✓ Setl is a document preparation and guidance platform — not a law firm.
✓ Setl does not represent you before the IRS or negotiate on your behalf.
✓ All estimates are based on IRS published standards and are not guarantees.
✓ You will independently submit all documents to the IRS.
By continuing, you acknowledge that Setl is an informational and document preparation service. This is not legal advice. Results vary based on individual financial circumstances.
Personal Information
Let's start with some basic information. This helps us apply the correct IRS household standards and local expense allowances to your situation.
Income & Expenses
Setl uses IRS National Standards, Local Standards, and county-level expense allowances to calculate your allowable expenses. Your answers below are compared against these published limits.
Monthly Income
Monthly Expenses
Assets
How Setl uses this data: Your expenses are compared against IRS National Standards for food, clothing and miscellaneous, and Local Standards for housing, utilities, and transportation in Orange County, CA for a household of 4. Expenses above IRS-allowed limits are not counted. Your net monthly income after allowable expenses determines your Collection Potential.
Your Free Setl Estimate
$12,000 – $18,000
Estimated IRS settlement range based on your financial profile
Based on your Collection Potential being below your total debt
◎
Installment Agreement — Eligible
Monthly payment plan based on disposable income
◎
Penalty Abatement — Review Required
First-time abatement eligibility depends on prior compliance history
Unlock Your Complete Resolution Package
Get precise calculations, all completed IRS-ready forms, your supporting document checklist, and step-by-step submission instructions — for a one-time flat fee.
$100
One-time flat fee
No percentage fees. No commissions. No surprises.
This estimate is illustrative. Exact figures unlock after payment.
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Order Summary
Setl Resolution Package — Tax Year 2021$100.00
✓ Offer in Compromise Formsincluded
✓ Financial Disclosure Packageincluded
✓ Submission Instructionsincluded
Total Due Today$100.00
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Welcome, Tim.
Your payment was processed and your resolution package is ready. Based on your financial profile, here is your precise IRS settlement projection.
⭐ Setl Member · Tax Years 2021–2022
Your Precise IRS Settlement Projection
$13,000 – $14,200
Based on Orange County Local Standards · Household of 4 · OIC Pathway
Precise Breakdown
Net Monthly Disposable Income$877
IRS Collection Period Applied× 12 months
Future Income Component$10,524
Realizable Asset Value+ $2,680
Your Offer in Compromise Amount$13,204
📁 Your Resolution Package — Ready to Download
Download all three documents below. Review carefully, sign where indicated, and submit to the IRS per the included instructions.
📄
Form 656 — Offer in Compromise
Pre-filled with your financial data · Ready to sign and submit · IRS Form 656 (Rev. 4-2023)
📋
Form 433-A — Collection Information Statement
Complete financial disclosure · Matches your entered income, expenses & assets · IRS Form 433-A
✅
Supporting Documents Checklist
Complete list of required supporting documents · Organized by IRS submission order · Includes mailing instructions
Questions about your documents?
support@setlnow.com
Setl does not provide legal representation. Please review all documents carefully before submitting.