IRS Penalties & Interest Calculator

Estimate penalties and interest on late-filed or late-paid federal taxes

ℹThis calculator estimates IRS civil penalties for individuals. Results are approximations — consult a tax professional for your specific situation.
Amount of tax owed on the original due date
Usually April 15 of the tax year
Same as due date if filed on time
Use today if still unpaid
Federal short-term rate + 3%. Q2 2026 rate is approx. 7%. Check IRS.gov for the current quarterly rate.
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Penalty Estimate

Original Tax Balance—
Failure to File Penalty (max 25%)—
Failure to Pay Penalty (max 25%)—
IRS Interest—
Estimated Total Owed—
💡Tip: File on time even if you cannot pay. The Failure to File penalty (5%/month) is 10x the Failure to Pay penalty (0.5%/month). An IRS payment plan can reduce the FTP rate to 0.25%/month.
Estimates based on IRC §6651–6654. Not legal or tax advice. | Plain Language Tax