If you owe the IRS tax money, your bill is due by April 18, 2023. However, if you need more time to pay off your balance, you can enroll in an IRS installment plan, which breaks your tax bill into more management monthly payments.
The IRS offers two types of payment plans for your taxes: a short-term and long-term payment plan. If you’re a business, you can only enroll in a long-term tax plan.
The short-term IRS tax payment plan requires you to repay your bill in 180 days (roughly six months) or less. You can pay with direct deposit, electronically online, by phone, by check, or with a debit card or money order. There are generally no fees for this plan, though some payment processing fees can apply. You will continue to accrue IRS late payment and late filing penalties until the bill is paid off.
The long-term IRS tax payment plan comes with a $31 - $130 application fee and $107 - $225 setup fee (though discounts are available for low-income tax filers). Direct debit options have the lowest fees, while alternate payment methods have steeper fees. You’ll also continue to accrue late payment and filing penalties until your balance is repaid. Payment terms vary.
With both payment plans, it’s recommended you pay as much upfront as possible to limit your late payment and filing fees, which are calculated based on your remaining tax bill. If you need to make changes to an existing IRS payment plan, you may incur a $10 - $89 fee.
You can apply online for an IRS payment plan.