IRS Installment Agreement Guide

Can't Pay Your Taxes in Full?

You have options. An IRS installment agreement can provide a manageable way to pay your tax debt over time and protect you from harsh collection actions.

Check Your Options Now

Check Your Eligibility

Use this tool to see which payment plan you might qualify for. This is for informational purposes only.

How much do you owe in total?

$10,000

I've filed all returns for the past 5 years.

I haven't had an installment agreement in the past 5 years.

Your Likely Option:

Adjust the slider to see what you might qualify for.

The Financial Benefits of a Payment Plan

An installment agreement is more than just a payment plan; it's a financial shield. Here's how it protects you.

Avoid Harsh Collection Actions

This is the most critical benefit. An approved agreement generally stops the IRS from levying bank accounts, garnishing wages, or seizing property. It provides immediate stability.

Save Money with Lower Fees

You can significantly cut setup costs by applying online and choosing direct debit for payments. Our calculator below shows you exactly how much you can save.

Get Relief for Low-Income Taxpayers

If you have a lower income, the IRS may waive the setup fee entirely if you use direct debit, or reimburse the fee after your plan is complete if you can't pay electronically.

Guaranteed Acceptance for Smaller Debts

If you owe $10,000 or less and meet filing/payment history rules, the IRS guarantees your request for an installment plan, providing a clear and certain path to resolution.

Interactive Fee Calculator

See how your choices affect the one-time setup fee. The right combination can save you over $150.

How will you apply?

How will you pay?

I am a low-income taxpayer.

(May waive or reduce fees).

How to Apply

Ready to set up a plan? Here are your options.

Recommended: Apply Online

The fastest and cheapest way. If you owe less than $50,000, you can use the Online Payment Agreement (OPA) tool on the IRS website.

✓ Lower setup fee
✓ Immediate confirmation
✓ Available 24/7

Go to IRS.gov/OPA

Alternative: File by Mail

You can also request a payment plan by completing and mailing Form 9465. You can attach it to your tax return or mail it separately.

✓ Higher setup fee
✓ Slower processing time (30+ days)
✓ Necessary for debts over $50,000

Get Form 9465

IRS Form 9465 Installment Agreement Guide