IRS

Form 9465

Rev. 11/2024

Installment Agreement Request

Request a monthly payment plan to pay taxes owed.

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Plain English

Form 9465 is a request to set up a monthly payment plan (installment agreement) with the IRS when you owe taxes you can't pay in full. It lets you pay your tax debt in smaller, manageable monthly payments.

Quick Facts

Who: Taxpayers who owe federal taxes but cannot pay the full amount by the due date and need a monthly payment plan.
What: Installment Agreement Request — a formal proposal to the IRS to pay your tax debt in monthly installments rather than one lump sum.
When: As soon as you realize you cannot pay your tax balance in full. The sooner you arrange a plan, the less penalties and interest accrue.
Where: Apply online through IRS Online Payment Agreement (OPA) tool or mail Form 9465. Online is faster and the user fee is lower.
Why: The IRS charges failure-to-pay penalties and interest on unpaid tax. An installment agreement reduces the penalty rate and prevents more aggressive collection actions (liens, levies).
How: Enter your name, SSN/EIN, total amount owed, proposed monthly payment amount, and bank account info for direct debit (optional but reduces fees).

Common Risks & Mistakes

  • •Proposing a payment plan that doesn't pay the full balance within 72 months (6 years) — IRS will reject unless partial pay agreement
  • •Missing monthly payments — default will cancel the agreement and IRS may levy wages or bank accounts
  • •Not considering direct debit — the setup fee is much lower ($31 vs. $130 for non-direct debit)
  • •Filing 9465 for an amount you can pay in full — penalties and interest still accrue on installment plans
  • •Forgetting to set up a plan for each tax year owed — each year requires a separate agreement

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Field-by-Field Guide

Taxpayer
Name & SSN/EINREQUIREDtext

As shown on your most recent tax return.

Current AddressREQUIREDtext

Your current mailing address for IRS correspondence.

Agreement
Total Amount OwedREQUIREDamount

Total tax, penalties, and interest owed across all years.

Monthly Payment AmountREQUIREDamount

The amount you propose to pay each month. IRS generally accepts if it pays full balance within 72 months.

Payment Start DateREQUIREDtext

Day of the month you want payments withdrawn (1-28).

e.g. 15th of each month
Bank Account for Direct Debittext

Optional: routing number and account number for automatic monthly payments. Reduces user fee.

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Form Stats

6
Fields
5
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2
Sections

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Disclaimer: We do not provide legal advice. We translate legal language into plain English and help you prepare for a conversation with a lawyer.