Facing a Tax Bill? You Have Options. IRS Payment Plan Guide

🎙️ Want deeper U.S. tax insights? Listen to more in-depth episodes on Spotify!

🎧 Listen Now on Spotify

IRS Payment Plan Guide

Fee Calculator

Facing a Tax Bill? You Have Options.

If you can't pay your tax debt in full, an IRS Installment Agreement can provide immediate relief and a manageable path forward. This guide will help you understand your options and the financial benefits.

Check Your Eligibility

Answer a few quick questions to see if you might qualify for a streamlined or guaranteed payment plan. This is an estimate; the IRS makes the final determination.

Is your total tax debt (including penalties and interest) not more than $10,000?

Yes No

Have you filed all tax returns and paid all taxes for the last 5 years, and not had an installment agreement in that time?

Yes No

Calculate Your Setup Fee

The cost to set up an installment agreement varies. See how choosing to apply online and pay by direct debit can save you money.

How will you apply? Online (at IRS.gov/OPA) By Mail (Form 9465)

How will you make your monthly payments? Direct Debit from Bank Account (DDIA) Check, Card, or Other Methods

Your Estimated Setup Fee:

$22

*Low-income taxpayers may have fees waived or reimbursed. Fees are as of July 2024.

Core Benefits of a Payment Plan

An approved installment agreement is more than just a payment schedule. It's a powerful tool for financial stability.

Stop Harsh Collections

Prevents IRS levies on bank accounts and wage garnishments while your agreement is active.

Save on Setup Fees

Applying online and paying by direct debit significantly lowers the user fee to set up the plan.

Low-Income Relief

Qualifying low-income taxpayers may get setup fees waived entirely or reimbursed after completion.

© 2025 Interactive Payment Plan Guide. All Rights Reserved.

This tool is for informational and estimation purposes only. It does not constitute tax advice. The IRS makes all final determinations regarding eligibility and fees.