Claude returns one HTML file (an artifact). Enter a balance and months late → a ballpark of failure-to-file + failure-to-pay penalties and interest, each component shown, with the total and a clear “not exact — verify at IRS.gov” disclaimer. Runs offline; figures only.
A Claude account (free tier works). No connectors. Save the file as penalty-interest-estimator.html and open it in any browser. Figures only — never names or SSNs. Ballpark estimate — confirm the current IRS interest rate and any abatement relief.


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