IRS Payment Plans (2025)

Short-term and long-term payment plans, eligibility, and how to apply online or by phone.

Short-Term vs Long-Term

Short-term plans are typically under 120 days; long-term installment agreements allow monthly payments over time with fees and interest.

Applying

  • Online via IRS online payment agreement tool
  • By phone or using Form 9465
  • Provide estimated payment amounts and financial details if required

Tips

  • Set up automatic withdrawals to avoid missed payments
  • Contact the IRS before collections escalate
  • Consider an offer-in-compromise if unable to pay