Tax Debt Resolution & Post-Bankruptcy Simulator

OIC Offer Settlement $80,000 Debt Forgiven: 64.0%

Installment Total Paid $142,850 Includes $17,850 Penalty/Interest

IA Payoff Timeline 41 Months Lien Discharge: 2029

CNC 10-Yr CSED Balance $198,750 Compounded to Statutory Limit

Domain Presets

Post-Bankruptcy Priority Tax Debt $125,000

Monthly Disposable Income $3,500

OIC Lump-Sum Settlement Offer $45,000

Annual IRS Interest & Statutory Penalty 6.0%

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IRS Statutory Cap Applied: Failure-to-pay penalty is capped at 25% of tax liability. IRS interest compounds monthly until full debt discharge.

Debt Trajectory & Amortization Waterfall

Comparing balance trajectories across OIC, IA, and CNC pathways over 60 months.

Offer in Compromise

Installment Agreement

Currently Not Collectible

Month	Starting Balance	Monthly Payment	Interest & Penalties	Principal Paid	Ending Balance