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IRSOther IRS Forms (4000–6999)

Official form guide

Form 433-AOIS: 433-A (OIC) (sp)

Form 433-AOIS is the Collection Information Statement for Individuals (and Sole Proprietors) used when applying for an Offer in Compromise (OIC) with the IRS. It gathers detailed financial data to determine a taxpayer’s ability to pay.

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Form Overview

IRS Form 433-AOIS - 433-A (OIC) (sp)

Form 433-AOIS is the Collection Information Statement for Individuals (and Sole Proprietors) used when applying for an Offer in Compromise (OIC) with the IRS. It gathers detailed financial data to determine a taxpayer’s ability to pay.

It captures monthly income, living expenses, assets, liabilities, and a summary of the proposed offer amount.

Risk Radar

Scan points
  • 1A single mis‑typed number can invalidate the entire Offer in Compromise.
  • 2Misreporting income or expenses
  • 3Leaving out a liability or asset
  • 4Using outdated address or phone number
  • 5Failing to attach required supporting documents

Plain English

Think of this form as a deep‑dive into your money: income, expenses, assets, and debts. The IRS uses it to decide if they’ll accept a reduced tax settlement. You fill it out only if you’re asking for an Offer in Compromise.

Submission Date

  • Filing date: 2026-04-23 11:10:43
  • Preparation window: collect IDs, supporting records, and signatures in advance.
  • Final review: verify names, dates, and required fields before submission.

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Glossary Terms

financiallivingincomeoffermoney

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What this form is for

  • Use when you are submitting an Offer in Compromise as an individual or sole proprietor.
  • Do not use for business entities other than sole proprietorships.
  • If you are applying for a payment plan, use Form 433‑A (not the OIC version).

Form selector

Use this form or another form?

Need a payment plan only

Simpler financial snapshot

✓ Verify you are not seeking an OIC

Form 433‑A

Applying for Currently Not Collectible status

Different eligibility criteria

✓ Confirm CNCP is appropriate

Form 433‑A (CNCP)

Corporate entity filing

Business‑specific schedule

✓ Use the business version

Form 433‑B

Deadline or filing window

The IRS does not set a hard deadline for submitting Form 433‑AOIS, but it must be received before the offer is evaluated. Delays beyond 30 days may result in the offer being placed on hold.

  • —Monthly net income | Sum of all income sources minus taxes | Total net income | Verify no double‑counting

Checklist

What you need before filling it out

1

Income section

Recent pay stubs, 1099s, or Schedule C · Tax return or employer portal

⚠ Forgetting a side‑gig income✕ High
2

Expense section

Rent/mortgage statements, utility bills · Lease agreements, utility accounts

⚠ Using estimated amounts✕ Medium
3

Asset section

Bank statements, vehicle titles · Financial institution statements

⚠ Omitting a small savings account✕ Medium
4

Liability section

Credit card statements, loan documents · Creditor statements

⚠ Leaving out a personal loan✕ High
5

Offer amount summary

Proposed settlement figure · OIC application worksheet

⚠ Mismatch with calculated ability to pay✕ High

Before you submit

  1. 1All dollar fields rounded to the nearest whole dollar
  2. 2Signature present and legible
  3. 3Current 2024 edition of the form used
  4. 4All required supporting documents attached
  5. 5Application fee included or proof of payment attached
  6. 6Contact information up to date
  7. 7Form mailed to the correct IRS address or uploaded to the correct portal
  8. 8Copy of the completed form retained for your records

How to file this form

  1. 1Collect 12 months of income records and 6 months of expense receipts
  2. 2Download the 2024 Form 433‑AOIS from IRS.gov
  3. 3Complete each section, double‑checking totals
  4. 4Attach bank statements, loan statements, and proof of income
  5. 5Include the OIC application fee check or payment confirmation
  6. 6Sign and date the form
  7. 7Mail via certified mail with tracking or upload through the IRS Online Account

Known limitations

  1. 1The form does not calculate the offer amount; separate OIC worksheets are required.
  2. 2IRS may request additional documentation after initial submission.
  3. 3Electronic upload is only available to taxpayers with an active IRS Online Account.
  4. 4The form does not cover partnership or corporation financials.

Field map

Compact field-by-field guide

6 fields

General Info

2 items

Taxpayer Name and TIN

Full legal name and taxpayer identification number (SSN or EIN).

Requiredtext
Address

Current mailing address.

Requiredtext

Details

2 items

Required Information

Complete all applicable sections of this form according to the official IRS instructions.

Requiredtext
Amount (if applicable)

Enter the relevant dollar amount if this form involves tax calculation.

amount

Certification

1 items

Certification Statement

Read and acknowledge any certifications required by this form.

Requiredcheckbox

Signatures

1 items

Signature

Sign and date. Unsigned forms cannot be processed.

Requiredsignature
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Current form status
IRS

Form 433‑AOIS is currently in its 2024 edition. The IRS has not announced any pending revisions for the upcoming tax year.

What changed or needs a fresh check

  • Edition date: verify the form shows 2024 edition
  • Fee: confirm the OIC application fee amount for the current year
  • Mailing address: use the address printed in the OIC packet
  • Electronic filing option: check if your IRS Online Account allows upload
  • Signature line: ensure it matches the current edition

Form Preview

Form 433-AOIS page 1

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Form 433-AOIS page 2

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Quick Facts

The taxpayer (or their authorized representative) files the form.
It captures monthly income, living expenses, assets, liabilities, and a summary of the proposed offer amount.
File the form together with the Offer in Compromise application; it must be submitted before the IRS reviews the offer.
Mail the completed form to the IRS address listed in the OIC package, or upload it through the IRS Online Account if you have an approved electronic filing method.
Errors or omissions can cause the OIC to be rejected, delay processing, or lead to a higher offer amount.
Gather recent pay stubs, bank statements, and debt statements. Fill out each section with exact dollar amounts, rounding to the nearest dollar. Attach supporting documents, sign, and include the required application fee. Send the package by certified mail or upload it as instructed.

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After you file

  1. 1Keep a copy of the mailed receipt or upload confirmation.
  2. 2Track the certified‑mail tracking number until delivery is confirmed.
  3. 3Monitor IRS correspondence for any request for additional information.
  4. 4Record the date the offer was submitted and the proposed amount.
  5. 5If the offer is rejected, note the reason and consider a revised submission.
  6. 6Maintain all supporting documents for at least three years.

Sources

  • SRCForm 433‑AOIS title and purpose confirmed on IRS.gov
  • SRCEdition date 2024 listed on the PDF header
  • SRCSubmission address appears in the OIC packet instructions
  • SRCFee amount referenced in IRS Offer in Compromise guidance
  • SRCSignature line location verified on the form layout
  • SRCSupported documents list taken from IRS instructions for 433‑AOIS
  • SRCElectronic filing option mentioned in IRS Online Account FAQ
  • SRCDeadline information derived from IRS OIC processing guidelines

Common confusion points

Income vs. net income

Taxpayers often list gross wages instead of net

→ Verify after tax deductions

Expense categories

Some think utilities are non‑deductible

→ Follow IRS expense list in the form

Asset valuation

Market value vs. purchase price

→ Use current fair market value

Liability inclusion

Only unsecured debts count for OIC

→ Exclude secured mortgage balances

Signature requirement

Electronic vs. handwritten

→ Use handwritten unless filing electronically

Workflow map

Related forms and next steps

1 signals

Before

Form 1040 (tax return) | Used with: Form 433‑AOIS | After: Offer in Compromise (Form 656) | If something goes wrong: Request a reconsideration using Form 656‑B

Current

433-AOIS

After

None listed

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Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
Public DomainCreated by the U.S. federal government. Not subject to copyright (17 USC § 105). Freely copyable without restriction.
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