Determine the total amount you owe and file all required tax returns
Gather your tax return, notice, and bank account information
Visit the IRS Online Payment Agreement tool on IRS.gov
Choose the payment plan type that fits your balance and situation
Submit an installment agreement request online if eligible
Call the IRS if you cannot apply online
Complete Form 9465, Installment Agreement Request, if required
Provide your monthly payment amount and preferred payment date
Set up direct debit, payroll deduction, or another approved payment method
Review the terms, fees, and interest that will continue to apply
Make your first payment by the due date
Keep all future payments current
Stay compliant with future tax filings and payments
Contact the IRS immediately if your financial situation changes