IRS Installment Agreement
Pay your IRS tax debt over time with affordable monthly payments
What is an IRS Installment Agreement?
An IRS Installment Agreement allows you to pay your tax debt over time through monthly payments instead of paying the full amount at once. This is one of the most common IRS Fresh Start payment options and helps millions of taxpayers manage their tax obligations.
Once approved, the IRS will stop collection actions like wage garnishments and bank levies as long as you make your monthly payments on time.
Types of IRS Payment Plans
Short-Term Payment Plan (180 days or less)
For taxpayers who owe less than $100,000 and can pay within 180 days. No setup fee.
Long-Term Payment Plan (More than 180 days)
For taxpayers who need more time to pay. Available for balances up to $50,000. Setup fees apply.
Guaranteed Installment Agreement
Automatically approved if you owe $10,000 or less and meet basic requirements.
How to Set Up an IRS Payment Plan
Determine Your Monthly Payment Amount
Calculate what you can afford to pay each month based on your income and expenses
Apply Online or Submit Form 9465
Apply for a payment plan through our automated system or submit IRS Form 9465
Get Approval and Start Paying
Most payment plans are approved quickly, and you can start making monthly payments
Do I Qualify for an IRS Installment Agreement?
- You have filed all required tax returns
- You owe $50,000 or less (for long-term plans)
- You can pay off the balance within 72 months
- You have not defaulted on a previous installment agreement
Set Up Your IRS Payment Plan Today
Our automated system helps you calculate affordable monthly payments and apply for an IRS installment agreement
Start Payment Plan Application