Form 656: Offer in Compromise (IRS Booklet Form 656-B)
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JustFill is not affiliated with Internal Revenue Service (IRS). This is an independent third-party tool to help you complete Form 656. Always download the current blank form from the official source and verify your completed copy before signing or submitting. Official Form 656 from Internal Revenue Service (IRS)
IRS Form 656, Offer in Compromise (published inside the Form 656-B booklet, Rev. April 2025), is the official agreement a taxpayer submits to settle a federal tax debt for less than the full amount owed based on Doubt as to Collectibility or Effective Tax Administration. You submit Form 656 alongside financial disclosure Form 433-A (OIC) for individuals or Form 433-B (OIC) for businesses, plus the $205 application fee and initial offer payment (unless you qualify for the Low-Income Certification waiver). Open the Form 656 blank in JustFill to complete every section online and download a clean PDF.
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IRS Form W-4 + USCIS Form I-9
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IRS Form 2848 (POA) + Form 8821 + Form 4506-T Transcript
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Need to fill out IRS Form 656 (Offer in Compromise) or the multi-page Form 656-B booklet without wrestling with hundreds of tiny boxes in Adobe Reader? Form 656 is the formal contract proposing a lump-sum cash offer (payable in 5 or fewer installments within 5 months of acceptance) or a periodic payment offer (payable in 6 to 24 monthly installments) to compromise assessed income, payroll, or trust fund recovery penalty taxes. Tax resolution firms, CPAs, Enrolled Agents, and individual taxpayers use JustFill to open an interactive Form 656 PDF, auto-detect every box across the 12-page Offer in Compromise packet, and export a clean, print-ready PDF for signature and mailing to the Memphis or Brookhaven IRS OIC unit.
The official IRS Form 656 is published inside the Form 656-B Offer in Compromise Booklet at irs.gov/pub/irs-pdf/f656b.pdf. Click the button above to open our interactive Form 656 blank directly in JustFill, or upload your Form 656-B PDF to fill every section in your browser and download a clean PDF.
What each section of Form 656 asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.
Your full name, SSN or ITIN, spouse information (if joint offer), home and mailing addresses, whether this includes a sole-proprietorship EIN, the tax years/periods included in the offer, and the Low-Income Certification checkbox.
Business legal name, physical and mailing address, EIN, primary contact, and specific employment or corporate tax periods covered by the business offer.
Select Doubt as to Collectibility (assets and income are less than the full tax liability) or Effective Tax Administration (economic hardship or public policy/equity).
Choose either Lump Sum Cash (20% initial payment enclosed, balance in 5 or fewer installments) or Periodic Payment (first monthly installment enclosed, balance paid monthly over 6 to 24 months).
Optional EFTPS / electronic funds withdrawal details and a brief explanation of where you will obtain the funds to pay the offer amount.
Mandatory acknowledgments (five-year filing and payment compliance, retention of tax refunds through the calendar year of acceptance), original signatures of each taxpayer, and Paid Preparer PTIN/CAF details.
A fictional individual taxpayer in Arizona submits a Periodic Payment Offer in Compromise for 2021–2023 Form 1040 income taxes based on Doubt as to Collectibility.
CASEY EXAMPLE · SSN: XXX-XX-4321 · 400 SAMPLE RD, PHOENIX, AZ 85004
Identifiers are masked for illustration.
Form 1040 Individual Income Tax — Tax Years 2021, 2022, 2023
☑ Doubt as to Collectibility (I do not have enough in assets and income to pay my full liability)
Total Offer Amount: $4,800.00 · 1st Monthly Payment: $200.00 · 23 Additional Monthly Payments of $200.00
Periodic payment offers spread the offer amount across up to 24 monthly installments while the IRS evaluates the offer.
Monthly net disposable wage income and funds gifted by family member.
These values are made up. They are here to show what belongs on each line, not to be copied — every name, number, and address on your own Form 656 has to be your own. Always compute your exact Reasonable Collection Potential (RCP) using Form 433-A (OIC) or Form 433-B (OIC) before entering your offer amount.
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By uploading, you confirm you have the legal right to use this document.
Form 433-A: Collection Information Statement for Wage Earners and Self-Employed Individuals
Form 433-F: Collection Information Statement
Form 433-D: Installment Agreement
Form 2848: Power of Attorney and Declaration of Representative
Form 8821: Tax Information Authorization
Form 843: Claim for Refund and Request for Abatement
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Official source: Form 656 on Internal Revenue Service (IRS)’s website
Edition checked: Rev. April 2025 (Form 656-B Booklet, OMB No. 1545-0074). Verified against the official source on · Verified in our Government Forms Fillability Study.
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