IRS Payment Plan Calculator
Enter what you owe and how many months you need. The calculator shows your estimated monthly payment and the IRS setup fee for that plan, based on the fees published on IRS.gov.
Estimate your payment
Tax, penalties, and interest combined, from your notice or IRS Online Account.
6 months or less is a short-term plan (up to 180 days) with no setup fee.
Enter the amount you owe to see an estimate.
How the calculator works
It divides your balance plus the IRS setup fee by the number of months. Plans of 6 months or less are treated as short-term plans (up to 180 days), which have no setup fee. Longer plans are long-term installment agreements, and the fee depends on whether you apply online and whether you pay by direct debit.
IRS setup fees used
Long-term direct debit plans cost $29 online or $107 by phone, mail, or in person. Other long-term plans cost $69 online or $178 by phone, mail, or in person. Low-income taxpayers (AGI at or below 250% of the federal poverty level) pay no fee on a direct debit plan and $43 on other plans, which may be reimbursed. Short-term plans have no setup fee.
What the estimate leaves out
Interest and the late-payment penalty keep accruing until the balance is paid, so your total cost will be higher than the balance plus the fee. Interest was 7% a year for the fourth quarter of 2026, compounded daily. The IRS also decides what monthly amount and term it will accept.
Frequently Asked Questions
How much is the IRS payment plan setup fee?
$0 for a short-term plan. For a long-term plan, $29 online or $107 by phone, mail, or in person with direct debit, or $69 online or $178 otherwise. Low-income fees are lower.
Can I apply for an IRS payment plan online?
Individuals can apply online for a long-term plan if they owe $50,000 or less and have filed all required returns, or for a short-term plan if they owe less than $100,000.
Does the IRS charge interest on a payment plan?
Yes. Interest and the late-payment penalty continue until the balance is paid in full, though the penalty is generally reduced during an approved plan if you filed on time.
What if I owe more than $50,000?
You can still get a plan, but you apply by phone or mail with Form 9465 and may need a financial statement such as Form 433-F.
What if I can't afford the monthly amount?
You may qualify for a partial payment installment agreement, currently not collectible status, or an offer in compromise. A professional can help you compare them.
Sources
This tool gives general estimates for education only and is not tax advice. Results depend on your facts and on IRS or state decisions. Calculus Tax, Inc. is not affiliated with the IRS or any government agency.