How much IRS penalty and interest will I owe in 2025?

Estimate late‑filing and late‑payment penalties plus interest for 2025 or 2026 by entering balance due, days late, and payment timing. The calculator applies common IRS penalty rates to estimate totals and shows how faster payments can reduce interest.

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How this calculation works

  • Applies common failure‑to‑file and failure‑to‑pay rates.
  • Estimates interest based on time outstanding.
  • Shows a combined penalty and interest estimate.

Common mistakes and caveats

  • Rates and rules can change each quarter.
  • Actual penalty calculations depend on IRS determinations.
  • Installment agreements can affect penalty rates.

FAQ

Can IRS penalties be reduced or waived?

In some cases, reasonable cause or first‑time abatement may apply.

Last updated & sources

Last updated January 27, 2026.

TaxGuide Pro provides free state and federal tax calculators for individuals, freelancers, and small businesses.