TaxReliefCalculator.com

See how a monthly payment could reduce your IRS balance

Compare a payment you can sustain with an illustrated payoff schedule. The IRS sets the terms it offers; this worksheet cannot confirm an approved payment or an available repayment term.

Your worksheet

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Payment and current online criteria

Use the current combined balance for the tax periods you are considering. Use the balance shown in the IRS online application or current account when available; a notice may be older. The online combined-balance criterion is separate from Field Collection UBA. Total balance is used for the online ceiling; it is not automatically the unpaid-tax base for a penalty.

Enter an amount you can pay consistently after essential costs and current taxes. A larger payment can reduce the illustrated time and charges.

Enter a comparison period. It is a requested illustration, not confirmation that the IRS will offer that period. The IRS's remaining collection time controls.

The short-term plan does not itself establish the reduced late-payment rate.

Confirm that this is an individual tax scenario. The reduced rate described here cannot be assumed for a separate business entity.

Answer yes, no or unknown. Missing returns must be addressed before the standard online-plan path can be confirmed.

Current obligations matter separately from your older balance.

Choose whether monthly payments would come automatically from your bank account. This affects the published setup fee and may affect the online options offered. Do not enter bank details here.

Do not infer this fee treatment from debt or the OIC income test.

Confirm that the approved agreement includes the particular tax being illustrated. An agreement for another period does not establish the lower rate for this one.

Include a valid filing extension when checking timeliness. The reduced failure-to-pay rate does not follow from a payment-plan request alone.

Use the effective date in the IRS record.

If it ended, supply the termination date.

Leave blank only when confirmed still active, or when no agreement applies.

Data version 2026.10. Official information last checked 2026-10-06.

Current online criteria

Individuals can apply online for a monthly plan when the combined tax, penalties and interest are $50,000 or less and required returns have been filed. The online short-term option is for a combined balance below $100,000, payable within 180 days. Interest and applicable penalties continue. IRS payment plans

The 2026 Simple Payment Plan procedures use the remaining collection period. Do not assume the former 72-month framework or a new 120-month term for every account. The IRS may offer different terms based on its records. Choose a comparison period for the illustration. That period is not a finding that the IRS will offer it or that the online application will accept it. The worksheet does not calculate your collection statute date. IRM 5.14.5

Projection assumptions

Illustrated payments, excluding future penalties. The entire entered balance is assumed interest-bearing. Future late-payment penalties are excluded, not treated as zero. The local device date is frozen at calculation. Payments take effect on calendar anniversaries, clamping the original day only for shorter months; no business-day shift. Interest compounds daily at the current annual rate using 365/366-day year divisors. The listed setup fee is separate upfront, and no conditional reimbursement is deducted. Choose a payment or a comparison period, not both. A chosen period does not establish an available IRS term. Actual account allocation, assessment timing and future rates may differ.

Fees and low-income note

The current online setup fee is $29 for direct debit or $69 without direct debit. Phone, mail or in-person fees are $107 and $178 respectively. A short-term plan has no setup fee. Low-income fee relief has separate requirements; it is not the OIC low-income certification. Check the IRS's fee rules rather than adding an unverified discount to this worksheet. IRS fees and low-income rules

DIY and when to get help

A straightforward individual online request is something you can handle directly with the IRS. Get help if required returns are missing, several assessments have different collection deadlines, the debt is disputed, or the payment would crowd out essential expenses. An enrolled agent, CPA, tax attorney or Low Income Taxpayer Clinic can review the facts.

DIY links

Questions you may have

Does everyone get 72 months or 10 years?

No. The current Simple Payment Plan framework depends on the remaining collection period. A general statement about up to 10 years is not a new 10-year term starting with every application. IRM 5.14.5

Is $50,000 the most anyone can owe and get a plan?

It is the published individual online monthly-plan ceiling for combined tax, penalties and interest. Other arrangements may require contacting the IRS. The separate online short-term ceiling is strictly below $100,000. IRS online criteria

Does a payment plan stop interest?

No. Interest and applicable penalties continue until payment, subject to their rules. A reduced late-payment rate has specific conditions; it is not automatic just because you are applying. IRS payment-plan information

What if I can pay more in one month?

An extra payment can reduce the balance and future charges. Check how the IRS applies the payment and keep making the required scheduled payments unless the IRS changes the agreement. IRS plan management

What if the amount I can afford never pays the balance off?

This calculator cannot approve a smaller-payment arrangement. Read the currently not collectible guide and contact the IRS or a qualified representative to discuss your financial situation.