See how much your IRS tax debt is costing you with our Interest Calculator

See how we can help.

The problem. Our Philosophy. The Solution.

“Turtle Syndrome”
The Problem

Feeling stuck when IRS letters arrive? You’re not alone.

Many taxpayers experience fear and uncertainty when facing IRS debt, which can lead to avoidance and delayed decisions. Turtle Tax can help you come out of your shell.

“The Turtle Way”
Philosophy

A clarity-first approach built on Trust, Understanding, and Responsibility.

We believe in educating you first, so you can understand IRS options and decide how to move forward—on your own or with an independent Tax Liability Expert (T.U.R.T.L.E.).

“Turtle Action”
Solution

Informed confidence replaces paralysis.

We help you understand your IRS options so you can decide what makes sense for your situation. Take Turtle Action and try our Free Tax Debt Tools below.

Tax Debt Interest Calculator

See what your tax debt is costing you.

You’re paying: $575 a Month in interest
You’re paying: $6,900 a Year in interest

We can help

Create an account to get started and see how we can help.

Create an Account to Get Started

What does that IRS code or notice mean?

Type a transcript transaction code (like 570 or 846) or a notice number (like CP504 or LT11) and get a plain-English explanation of what it means, how serious it is, and what to do next.

Nothing you type is sent anywhere — the tool runs entirely in your browser.

Turtle Tax is here for you.

Let us help you prepare and file your own IRS Payment Plan, Offer in Compromises or a Currently Not Collectible (Hardship) request.

In 2025, only 14% of Offer In Compromise (OIC) applications were accepted by the IRS - Let's turn that around together..
Turtle Tax can help turn this around

Source: Selected IRS Data Books

How to settle your debt with the IRS on your own.

Turtle Tax's Free Tax Debt Tool.

Learn about your tax debt options and get estimates for a resolution.

  • Step 1
    Tax Debt Clarity Tool

    Learn about your different tax debt options.

  • Step 2
    Precheck

    See if anything is stopping you from proceeding with a Payment Plan Offer in Compromise or Currently Not Collectible status. If you can't file right now, one of our Independent Tax Pros can help you file missing returns or get you back on track so you can proceed with a tax resolution.

  • Step 3
    Estimator

    See estimated monthly Payment Plan amounts or estimated Offer in Compromise settlement amounts.

Free Tax Debt Tool
No Names, Dates of Birth, SSNs, EINs, Account #s or Credit cards
Start

Free Tax Debt Tool

See which option is right for you

The Free Tax Debt Tool educates you on your tax options and gives you an estimate on those options. Try it before you pay anyone a fee.

It’s time to come out of your shell.

Take the First Step

Company

Built for Clarity. Designed for Confidence.

Turtle Tax is an educational software platform designed to help you understand IRS tax-debt options with clarity and confidence.

Our technology provides step-by-step, user-driven tools that help you get started on your own, so you can make informed decisions without pressure or guesswork.

About Tax Debt Pros

Turtle Tax

IRS Tax Debt Software Built for Real People

Turtle Tax is a do-it-yourself web application designed to help taxpayers organize and complete required IRS financial forms using their own information, with educational explanations, built-in checks based on IRS instructions, so you can move forward with clarity and confidence.

Discover Turtle Tax

Need a Tax Pro? We can help.

Pick a Tax Pro from our National Network of Tax Attorneys, CPAs and enrolled agents.

Learn More & Apply

Resources

Explore our IRS videos to learn how to address your IRS tax debt and to stay on track once you find your resolution. View All

Looking to Settle for Less with the IRS?

Watch step-by-step instructions of how to complete the necessary forms in the YouTube @irsvideos, Offer in Compromise Overview.

Set Up an IRS Payment Plan Online

Can’t pay your tax bill in full? See if you’re eligible to apply for a payment plan online to pay off your balance over time.

Owe Taxes but Can’t Pay?

Find out what to do if you can’t afford the taxes you owe.

Turtle Tax is educational software, not a law firm. We are not affiliated with or endorsed by the IRS. Our calculations are based on the IRS’s published Collection Financial Standards and form instructions, applied to the information you enter; the IRS may apply different figures, and only the IRS can approve an offer, payment plan or hardship status.