Gather your tax return information, balance due, and bank account details
Decide whether you want a short-term payment plan or a long-term installment agreement
Visit the IRS Online Payment Agreement tool on IRS.gov
Create or sign in to your IRS account
Select the option to apply for a payment plan
Choose the tax year and amount you want to pay
Enter your proposed monthly payment amount and payment date
Provide your bank account information if you want direct debit payments
Review the terms, fees, and interest that will continue to apply
Submit the request online
Wait for IRS approval or follow-up notice
If you cannot apply online, file Form 9465, Installment Agreement Request
Mail Form 9465 to the IRS address listed in the form instructions
Pay the setup fee if required
Make all payments on time after the plan is approved
Contact the IRS immediately if you cannot make a scheduled payment
Keep filing future tax returns on time and pay any new taxes due