Gather your tax return information, balance due, and bank account details
Determine whether you can pay in full or need a payment plan
File all required tax returns before requesting a payment plan
Visit the IRS Online Payment Agreement tool on IRS.gov
Choose the type of installment agreement you want
Submit the application online if eligible
Call the IRS if you cannot apply online
Mail Form 9465, Installment Agreement Request, if required
Include Form 433-F, 433-A, or 433-B if the IRS requests financial information
Select a monthly payment amount you can afford
Choose a payment date each month
Set up direct debit if possible to avoid missed payments
Pay the setup fee if required
Make all future tax payments on time
File all future tax returns on time
Keep your payment plan active by staying current with IRS requirements
Contact the IRS immediately if you cannot make a payment
Review your IRS notices for approval, payment amount, and due dates