What if I can’t pay my taxes?

Don’t panic – you may qualify for a self-service, online payment plan (including an installment agreement) that allows you to pay off an outstanding balance over time. Once your online application is complete, you'll receive immediate notification of whether your payment plan has been approved without having to call or write to the IRS. Online payment plans are processed more quickly than requests submitted with electronically filed tax returns, even if the new tax is not yet assessed.

Online payment plans include:

  • Short-term payment plan – The payment period is 120 days or less and the total amount owed is less than $100,000 in combined tax, penalties and interest.
  • Long-term payment plan – The payment period is longer than 120 days, paid in monthly payments, and the amount owed is less than $50,000 in combined tax, penalties and interest.

If the IRS approves your long-term payment plan (installment agreement), a setup fee may apply depending on your income.

If you already have a payment plan, you may also qualify to use the online payment plan option to revise your existing agreement. Changes you can make online include revising payment dates, payment amounts and banking information for Direct Debit Installment Agreements.