Free Bankruptcy Tax Discharge Calculator

Check whether your federal income tax debt qualifies for discharge in bankruptcy. This tool applies all three timing rules and handles tolling events that most calculators miss.

Bankruptcy Discharge Calculator11 U.S.C. §§507(a)(8), 523(a)(1)
Proposed Bankruptcy Filing Date
Tax Years
YearDue DateFiled DateAssessment Date
Tolling Events
No tolling events. Add if applicable.
Disclaimer: This calculator is for informational purposes only and does not constitute legal advice. Additional requirements apply: taxes cannot be from a fraudulent return, debtor must not have willfully evaded taxes, and SFR-assessed returns may not qualify as "filed" under the Beard test in certain circuits.
Law Offices of Darrin T. Mish, P.A. — Practice Tool

When to Bring in a Tax Attorney

This calculator gives you a starting point, but bankruptcy discharge analysis has nuances that software can't fully capture. Substitute for Return issues, circuit-specific interpretations of the filing requirement, and tolling event complications can all change the outcome. If the numbers are close — or if you're dealing with multiple tax years — a professional review is worth the time.

If you want a professional to run the full analysis for your situation, schedule a free consultation.