---
title: Can I Settle My Tax Debt for a Small Part of What I Owe?
url: https://taxtruce.com/answers/can-i-settle-for-less-than-i-owe
updated: 2026-10-29
---

# Can I settle my tax debt for a small part of what I owe?

Updated October 8, 20262 sourcesTaxTruce team[Fact checked](/editorial-standards)

The short answer

Only if the IRS agrees through an offer in compromise, and most people don't get one. The IRS accepted about 14% of offers in fiscal year 2025. Be wary of anyone who promises a number up front. The IRS Dirty Dozen list warns about "OIC mills" that overpromise.

Results depend on your situation. Not every case qualifies.

## Words to know

[Offer in compromise (OIC)](/glossary)
:   A deal where the IRS agrees to take less than the full amount you owe. It costs $205 to apply, plus a first payment.

## Sources

1. [IRS Data Book: Collections, penalties and appeals (FY2025)](https://www.irs.gov/statistics/collections-activities-penalties-and-appeals)
2. [IRS Tax Tip 2026-40: Offer in compromise](https://www.irs.gov/newsroom/eligible-taxpayers-may-be-able-to-resolve-tax-debt-through-an-offer-in-compromise)

Run the numbers with our [free tax tools](/tools), like the penalty and payment plan math.