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IRS Tax Penalties, Payment Plans & 1099 Tax Tools

Free IRS Tax Tools And Calculators

Understanding a tax issue is the first step toward resolving it.

Use the tools below to estimate IRS penalties and interest, review payment-plan scenarios, or budget for self-employment 1099 taxes.

Tools designed for individuals and businesses dealing with back taxes, unfiled returns, IRS notices, payment concerns, or self-employment tax obligations.

No information is ever stored or transmitted.

Available Free Tax Tools For Taxpayers Like You

Explore the Tools Below

Before You Get Started

Choose the Right Tax Tool

Each tool answers a different tax question. Use this guide to find the best starting point for your situation.

Tool
Best For
What to Know
IRS Late Filing & Payment Estimate
Best For Estimating common Failure to File, Failure to Pay, and interest charges on unpaid individual income tax.
What to Know Most useful when no payments or credits were applied after the due date. An IRS transcript is needed to confirm an exact account balance.
IRS Payment Plan Estimate
Best For Comparing a monthly payment with estimated payoff time and interest, plus a basic payment-plan eligibility screen.
What to Know Does not determine IRS approval or exact terms. Penalties may continue and future interest rates can change.
1099 / Self-Employment Tax Estimate
Best For Estimating federal income and self-employment tax, then comparing it with withholding and estimated tax payments.
What to Know A planning estimate. It does not include every deduction, credit, investment tax, state tax, or special tax rule.
IRS Penalty Relief Check
Best For Screening possible penalty-relief paths, including Automatic Exemption, First Time Abate, and Reasonable Cause.
What to Know Screening only. Eligibility depends on the penalty, tax period, compliance history, and facts on your IRS account.
Find Your Next IRS Step
Best For Finding a practical starting point based on unfiled returns, balance size, collection activity, and other key facts.
What to Know Does not determine eligibility for a resolution program or replace a review of your specific IRS account.

About these tools: Your answers stay in your browser and are not sent to the IRS. Results are educational estimates based on the information you enter.
Actual balances, penalties, interest, and resolution options depend on your IRS tax account history.

Free Tax Tools

Understand Your IRS Tax Situation

Estimate IRS charges, test a payment plan, plan for 1099 taxes, check penalty relief, or find your next step.

Private in your browser No IRS login required Educational estimates

Late filing & payment

IRS Late Filing & Payment Estimate

Estimate common Failure to File, Failure to Pay, and interest charges on an unpaid Form 1040 balance.

Best for unpaid individual income tax with no interim payments. If you made payments after the due date, use the result as a rough baseline.
Step 1 of 2

About the return

Was the return filed by the deadline, including any valid extension?
Did you have a valid filing extension?

Balance and dates

Tax only. Do not include penalties or interest.
For most 2025 individual returns: April 15, 2026.
Use today for current charges.

Important: These tools are educational estimates based on the information you enter. They do not access IRS records or replace an IRS transcript or professional advice. Actual balances and program eligibility can differ. Using these tools does not create a client relationship with Badran Tax.

NJ, Your Local Tax Problem Solvers

When to Speak With a Tax Professional

Online tax tools can provide a useful estimate, but they cannot review IRS transcripts, respond to notices, represent you before the IRS, or determine the best resolution strategy for your circumstances.

Badran Tax helps individuals, self-employed professionals, business owners, and corporations resolve federal and state tax problems nationwide.

Other Official IRS Tax Tools

IRS Tax Tools FAQ

Call (732) 937-9797 to speak with a team member, or schedule directly through our website by choosing an available time that works for you.

Your consultation is a free, 1-on-1 conversation with an experienced and licensed tax professional about your IRS or state tax situation.

No. These tools provide educational estimates based on the information you enter and general IRS rules. They do not access IRS or state records, account transcripts, filing history, payments, credits, penalties, or collection activity.

For an accurate balance and case-specific resolution options, review your IRS account transcript and speak with a qualified tax professional.

No. Offer in Compromise eligibility depends on many account-specific factors, including filing compliance, household income, allowable expenses, asset equity, tax debt, and the IRS’s assessment of collection potential.

Only the IRS can approve an Offer in Compromise. A tax professional can review your transcripts and financial information before you submit an offer.

The IRS failure-to-file penalty is generally 5% of unpaid tax for each month or part of a month a return is late, up to 25% of the unpaid tax.

When both the failure-to-file and failure-to-pay penalties apply during the same month, the combined penalty is generally limited to 5% per month. Returns filed more than 60 days late may also be subject to a minimum failure-to-file penalty.

No. An IRS installment agreement may reduce the monthly failure-to-pay penalty while the agreement is active and requirements are met.

However, interest generally continues to accrue on the unpaid balance until it is paid in full.

Self-employment tax generally applies to net earnings from self-employment. It includes Social Security tax and Medicare tax. For 2026, the Social Security portion applies only up to the annual wage base, while Medicare tax may continue above that limit.

Federal income tax is separate from self-employment tax. Independent contractors and business owners may owe both.

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