DIY Assistant

Prepare for a payment plan

Review what to know before using the official IRS Online Payment Agreement system.

Work through this list

Confirm all required returns are filed

Confirm the balance and years

Choose a monthly payment you can keep

Decide whether direct debit makes sense

Use the official IRS system if applying online

Questions to answer

Are all returns filed?Can you keep up with current taxes?What monthly payment is realistic?Would direct debit reduce default risk?Is there active levy, garnishment, or a short deadline?

What you will have when you finish

Payment plan preparation checklist

Questions to answer before applying

Default-risk reminders

Official IRS application link

How to use this safely

Use the notes on this page to organize facts before you contact the IRS, review an official IRS tool, or speak with a qualified tax professional. Keep the original notice, envelope, and every page of supporting records together.

Do not enter Social Security numbers, full bank account numbers, IRS account passwords, or complete tax returns here. If a deadline is close, a levy is active, payroll taxes are involved, or you are unsure about appeal rights, get individual review before acting.

Keep in view

Penalties and interest may continue until the balance is paid.

This site does not submit payment plan applications to the IRS.