If you can’t pay the full amount you owe shown on your tax return, you may want to consider applying for an Installment Agreement.
You should not use the Installment Agreement if you can pay the full amount you owe within 120 days. This will allow you to avoid paying the fee to set up an installment agreement. You can apply for a short-term payment plan if you can pay in full within 120 days by using the OPA application at IRS.gov/OPA or calling the IRS at 800-829-1040.
How long can I take to pay the amount owed?
The maximum term for a streamlined agreement is 72 months. In certain circumstances, you can have longer to pay or you can establish an agreement for an amount that is less than the amount of tax you owe.
How can I apply for an IRS payment plan?
You can apply for a payment plan when filing your tax return, or separately through one of the following methods:
- Online at IRS.gov
- By phone
- By mail
- In person at an IRS office
Setup fees vary depending on the type of payment plan you choose.
How can I apply for an installment agreement?
When you complete the Installment Agreement form within the program, you’ll be able to:
- Choose your monthly payment amount
- Provide your banking information for automatic payments, or opt to pay by mail
- Select your preferred monthly payment date
This flexibility helps ensure your payment plan fits your financial situation.
Program Entry:
- Federal Section
- Miscellaneous Forms
- Installment Agreement Request
How do I know if the installment agreement was accepted?
When you request an installment agreement through our program, the IRS typically responds within 30 days of receiving your request. You will receive a letter by mail indicating whether your agreement has been approved or denied.
If your request is approved, an IRS agent may contact you to verify your financial information and confirm the payment amounts you’ve agreed to. Be prepared to provide supporting documentation if requested.
Additional Information
You can view more information regarding this topic by visiting the IRS website.