Break Your IRS Debt Into Payments You Can Actually Afford
An IRS-approved repayment plan that stops collections, prevents levies, and puts your account in good standing — without paying in full.
What Is an IRS Installment Agreement?
An Installment Agreement is an IRS payment plan that allows you to pay your outstanding tax liability in monthly installments rather than a lump sum. Once in place, the IRS suspends most active collection actions — including levies, garnishments, and threatening letters.
There are several types of installment agreements, and the right one depends on your total balance, income, and ability to pay. Streamlined agreements are available for balances under $50,000. Partial Pay Installment Agreements (PPIAs) allow you to pay less than the full balance if you can demonstrate you cannot pay it all within the collection period.
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Interest and some penalties continue to accrue under an installment agreement — but the payment plan creates a structured, manageable path to resolution and keeps the IRS off your back while you pay.
$50K
Balance threshold for streamlined agreement (no financials required)
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Types of IRS Installment Agreements
Start Your CaseStreamlined Installment Agreement
For balances up to $50,000. No financial disclosure required. Term up to 72 months. The easiest and fastest type to establish.
Partial Pay Installment Agreement (PPIA)
For taxpayers who cannot afford to pay the full balance before the collection statute expires. Monthly payments are based on ability to pay — and the remaining balance may be uncollectable after 10 years.
Non-Streamlined Installment Agreement
For balances over $50,000. Requires full financial disclosure (Form 433-A). Monthly payment is based on allowable expenses vs. income.
Direct Debit Installment Agreement
Payments are automatically debited from your bank account. The IRS often grants better terms for DDIA arrangements.
Who Qualifies for an Installment Agreement?
Almost anyone with an outstanding IRS balance can enter an installment agreement — provided they meet basic compliance requirements.
Don't self-disqualify
More taxpayers qualify than the IRS's initial rejection letters suggest. A professional evaluation takes 15 minutes and costs nothing.
All required returns filed
Unfiled returns must be submitted before the IRS will approve a payment plan. We handle this as part of your case.
Current on estimated taxes
Self-employed individuals must be current on current-year estimated tax payments.
Current on payroll deposits
Business owners must be current on federal payroll tax deposits.
No active OIC pending
You cannot be in an active Offer in Compromise consideration and an installment agreement simultaneously.
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Frequently Asked Questions
Everything you need to know about installment agreement.
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