PPIA Eligibility Calculator (Private IRS Screening)

Estimate Whether the IRS May Accept Reduced Monthly Payments Before You Apply

A Partial Payment Installment Agreement (PPIA) is an IRS payment option that allows some taxpayers to make reduced monthly payments when full repayment of tax debt before the collection statute expires is not realistic.

Many taxpayers apply for a PPIA without understanding how aggressively the IRS reviews income, expenses, assets, and compliance. A denied request can immediately trigger enforcement actions, including bank levies, wage garnishment, or tax lien filings.

This private screening helps you estimate PPIA eligibility before submitting IRS financial disclosures or committing to a payment strategy.

Stack of papers with a pen on top on a desk, next to a small folded newspaper labeled NEWS, with a calculator and office shelves in the background.

What a Partial Payment Installment Agreement Is

A Partial Payment Installment Agreement (PPIA) is an IRS payment arrangement where monthly payments are based on your financial situation rather than the full tax balance, and the payments do not fully satisfy the liability before the collection statute expires. The IRS typically reviews your finances about every two years, and any remaining balance becomes uncollectible only if the statute expires and is not extended. A PPIA is not an offer in compromise and does not require a lump-sum payment, making it an option when full repayment is unrealistic but ongoing payments are possible.

Two contrasting couples: one with empty pockets and saving money with a piggy bank and hourglass on a green platform with a checkmark, the other with a serious expression standing by a house, gavel, IRS document marked with an X, and stacks of money on a red platform.

Who Qualifies for a PPIA — and Who Is Denied

When a Partial Payment Installment Agreement May Apply

Limited disposable income under IRS rules

Minimal asset equity available

Full payment not possible before statute

Full filing and payment compliance

Call Now Use the calculator

What Your Result Means

How to Interpret PPIA Eligibility

Likely candidate with reduced payments

Possible but subject to scrutiny

Unlikely under current circumstances

Consider safer alternative options

Call Now Use the calculator

Illustration showing three colored blocks with symbols representing financial growth and approval in green, questions and caution in yellow, and decline with security issues in red, alongside a blue platform with a shield, life preserver, and directional sign.

Person signing documents on a clipboard surrounded by financial papers, calculator, computer with graphs, scales balancing a house and car against money, and a secure safe with cash.

How We Help With PPIA Cases

If your screening result is positive or borderline, we manage the process carefully and correctly.

We help by:

Reviewing IRS transcripts and history

Calculating allowable disposable income

Identifying asset exposure risks

Preparing and negotiating submissions

Call Now Use the calculator

PPIA Eligibility Calculator (Private IRS Screening)