What are IRS payment plan options?

If you can't pay in full, you can request an installment agreement online. Short-term plans (up to 180 days) are free to set up. Long-term plans charge a setup fee ($31 online if you set up direct debit) and ongoing interest and penalties accrue until the balance is paid. Owing under $50,000 in tax, interest, and penalties typically qualifies for a streamlined online agreement without a financial statement.