04/15/2026
Those struggling to meet their tax obligation may consider several options to resolve their tax bill. The Tax Debt Help tool on IRS.gov provides individuals and businesses with a simple, accessible way to explore payment options and identify next steps based on their situation. These options include:
Online payment plans
Most individual taxpayers qualify for an online payment plan. The quickest and easiest way to set up a payment plan is through the online payment agreement, available on IRS.gov. Setup fees may apply.
Short-term payment plan – The total balance owed is less than $100,000 in combined tax, penalties and interest. This gives a taxpayer up to 180 days to pay their balance in full.
Long-term payment plan – Also known as a simple plan or installment agreement. This option is available online and to individual taxpayers that owe $50,000 or less in combined tax, penalties and interest. Most taxpayers have up to 10 years to pay off their balance, but the longer the term on the payment plan, the more interest, penalties and fees will add up. Payments may be made using direct debit (automatic bank withdrawal). This eliminates the need to send in a payment each month, saves postage costs and reduces the chance of default.
Once the online application is complete, the taxpayer is notified immediately whether their plan is approved. There’s no paperwork and no need to call, write or visit the IRS.
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