Payment plans Installment agreement

Can’t pay your tax bill and want to get on a payment plan? You can apply for an installment agreement.

Personal

If you apply for a payment plan (installment agreement), it may take up to 90 days to process your request. Typically, you may have up to 3 to 5 years to pay off your balance.

If approved:

  • It will cost you $34 to set up an agreement (added to your balance).
  • You’ll receive an acceptance letter in the mail with payment details.

While we process your request, you should still make your payments to:

  • Avoid more interest and penalties
  • Prevent this balance from being sent to collections or your wages garnished

Eligibility

You may be eligible for an installment agreement if:

  • Amount due does not exceed $25,000
  • You can pay the amount in 60 months or less
  • You’ve filed all your income tax returns for the past 5 years

You can’t apply online if you have a:

  • Current installment agreement with us
  • Wage garnishment (earnings withholding order)
  • Bank levy (order to withhold)
  • Other collection orders (warrant, continuous order to withhold)

Instead, give us a call to apply.

You may have to submit a financial statement for approval. A tax lien may be a condition of your arrangement.

Apply


Phone
800-689-4776
Mail
Installment Agreement Request

Business

If you apply for a payment plan, it may take up to 90 days to process your request. Typically, you may have up to 12 months to pay off your balance.

If approved:

  • It will cost you $50 to set up an agreement (added to your balance).
  • You’ll receive an acceptance letter in the mail with payment details.

While we process your request, you should still make your payments to:

  • Avoid more interest and penalties
  • Prevent this balance from being sent to collections

Eligibility

You may be eligible for an installment agreement if:

  • Amount due does not exceed $25,000
  • You can pay the amount in 12 months or less
  • You’ve filed all your tax returns

Note: This self-service currently has a limited availability and may not be available to all businesses.

You can’t apply online if you have a:

  • Current installment agreement with us
  • Bank levy (order to withhold)
  • Other collection orders (continuous order to withhold)

Instead, give us a call to apply.

You may have to submit a financial statement for approval. A tax lien may be a condition of your arrangement.

Apply


Phone
888-635-0494

Outside the US

Corporations
916-845-7033
Limited liability companies
916-845-7166
Partnerships
916-845-7165
Last updated: 1/2/2026