Payment Plan Agreements – Paying Your Tax Debt Over Time

Can’t pay the full amount of tax due?  No worries.  The IRS offers a couple of payment options that allow you to pay it over time. 

Payment options include full payment, a short-term payment plan (paying in 120 days or less), or a long-term payment plan (installment agreement) (paying in more than 120 days).

How to apply for a payment plan:

• Online: https://www.irs.gov/payments/online-payment-agreement-application
• Phone: 1-800-829-1040
• Mail an Installment Agreement Request (Form 9465) –  https://www.irs.gov/forms-pubs/about-form-9465. 

You may apply online for a long-term payment plan if you owe less than $50,000, or for a short-term payment plan if you owe less than $100,000.

You may use Form 9465 to apply for long-term payment plans only.

While there is currently no charge to set up a short-term plan, the IRS does charge a user fee to set up long-term payment plans.  

• Direct Debit Installment Agreement – $31
• Installment Agreement without direct debit – $149

If you need help applying for a payment plan, please call or e-mail us.