Form 9465 Filler Ask the IRS for monthly payments

Request a long-term IRS payment plan on Form 9465 (Rev. December 2026). As you type, your answers fill the official form, ready to download or print and send in.

View the form on IRS.gov

How to fill it out: IRS instructions

Tax forms and years

What the payment plan is for. You can combine more than one form and year.

This request is for Form(s) *

For example Form 1040, or Form 941 for a sole proprietorship that has closed.

Tax year(s) or period(s) *

For example 2024 and 2025, or January 1, 2025, to June 30, 2025.

Your information

For a joint return, list both of you in the same order as on the return.

First name and initial *

Last name *

Your SSN *

This is for a joint return Adds your spouse. Both of you must sign.

Spouse’s first name and initial *

Last name *

Spouse’s SSN *

Current address (number and street) *

Apt. number (optional)

City, town, or post office *

State *

ZIP code *

P.O. box only if there’s no home delivery.

I have a foreign address

Foreign country name *

Don’t abbreviate the country.

Province, state, or county (optional)

Foreign postal code (optional)

This address is new since I filed my last tax return (Line 1b)

Home phone (optional)

Best time to call (optional)

Work phone (Line 4) Optional

Work phone

Ext.

Best time to call

Closed sole proprietorship (Line 2) Optional

Only if the plan covers taxes of your sole proprietorship, which must no longer be operating.

Business name

Employer identification number (EIN)

Amount you owe

From your tax return or your IRS notice. Lines 7 and 9 are worked out for you.

Total amount you owe on your return(s) or notice(s) (Line 5) *

It can include more than one tax year.

Other balances due not shown on Line 5 (Line 6) (optional)

Even if they’re already in an existing payment plan.

Line 7 · Lines 5 + 6$0

Payment you’re making with this request (Line 8) (optional)

Pay as much as you can now to limit penalties and interest.

Line 9 · Amount owed (Line 7 − Line 8)$0

Monthly payment

Make the payment as large as you can: interest and penalties keep accruing until the balance is paid.

Amount you can pay each month (Line 10) (optional)

Payment day each month (Line 11) (optional)

Leave Line 10 blank and the IRS divides Line 9 by 72 months. If you already have a payment plan, enter your total proposed payment for everything you owe.

Pay by direct debit from my checking account (Line 12) Payments go out on time automatically. Low-income taxpayers who choose it have the user fee waived.

Routing number (Line 12a) *

Check it with your bank if your checks are payable through a different institution.

Account number (Line 12b) *

Up to 17 letters and numbers. Include hyphens, but no spaces or symbols. Don’t include the check number.

Read the debit authorization

I authorize the U.S. Treasury and its designated Financial Agent to initiate a monthly ACH debit (electronic withdrawal) entry to the financial institution account indicated for payments of my federal taxes owed, and the financial institution to debit the entry to this account. This authorization is to remain in full force and effect until I notify the U.S. Treasury Financial Agent to terminate the authorization. To revoke payment, I must contact the U.S. Treasury Financial Agent at 1-800-829-1040 no later than 14 business days prior to the payment (settlement) date. I also authorize the financial institutions involved in the processing of the electronic payments of taxes to receive confidential information necessary to answer inquiries and resolve issues related to the payments.

I’m a low-income taxpayer and can’t pay by direct debit (Line 12c) Your user fee is then reimbursed when the plan is completed. See the instructions for who qualifies.

Sign and date

By signing, you let the IRS contact third parties to process the request and agree to the terms in the instructions if it’s approved.

How will you sign?

Sign here Sign on paper

The signature and date boxes stay blank. Print the form, then sign and date it in ink.

Your signature *

Draw Type

Sign here

Date *

Spouse’s signature *

Draw Type

Sign here

Spouse’s signing date *

0 of 8 required

Preview

0 of 8 required

Complete the required fields to download or print your 9465.

Still needed:

Downloaded. Filing a tax return? Attach it to the front of the return. Already filed, or answering a notice? Mail it by itself to the IRS address for your state in the instructions. Owe $50,000 or less? Applying online gets you an answer right away and a lower fee.

View the form on IRS.gov

How to fill it out: IRS instructions

Disclaimer: forms.app provides this Form 9465 generator and the IRS form it fills at no charge. forms.app is not affiliated with the Internal Revenue Service, doesn’t send payment plan requests or payments to the IRS, and doesn’t give tax, legal, or financial advice. You are responsible for the amounts and bank details you enter and for filing the form correctly; the IRS decides whether to approve a payment plan. Form 9465 is published by the IRS; get the current form and instructions at irs.gov/Form9465. If you’re not sure which payment option fits your situation, talk to a tax professional. Found something on this page that’s wrong or out of date? Let us know.

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Who uses Form 9465?

Form 9465, Payment Plan Request, is how individuals ask the IRS for a monthly payment plan, also called an installment agreement, when they can’t pay the full amount shown on a tax return or an IRS notice. The December 2026 revision renamed it from Installment Agreement Request.

It’s meant for individuals who owe income tax on Form 1040 or 1040-SR, who may be responsible for a civil penalty such as the trust fund recovery penalty, or who owe employment taxes from a sole proprietorship that has closed. Don’t use it if you can pay in full within 180 days, if your business still operates and owes employment taxes, if you’re in bankruptcy or have an offer in compromise under review, or if you want a payroll deduction agreement (Form 2159). If you owe $50,000 or less in combined tax, penalties, and interest, you can apply through the Online Payment Agreement instead, for a lower user fee.

How the 9465 generator works

Name the tax forms and years involved, then enter your name, SSN, and address, and your spouse’s for a joint return. Add the total you owe from your return or notice and any other balances. The generator adds lines 5 and 6 and subtracts any payment you’re sending now, the same arithmetic the form asks for. Then enter the amount you can pay each month and the day of the month you’d like to pay, no later than the 28th.

If you can, add your checking account for direct debit: payments go out on time, and low-income taxpayers who choose it have their user fee waived. The official form fills in as you type, ready to sign and send. Looking for another form? Browse all tax form generators.

Form 9465: your questions answered

Should I apply online instead of filing Form 9465?

Often, yes. If you owe $50,000 or less in combined tax, penalties, and interest, you can request a payment plan through the Online Payment Agreement application at IRS.gov/OPA, where the user fee is lower and you find out right away whether you’re approved. If you can pay in full within 180 days, a short-term plan set up online has no setup fee.

Where do I send Form 9465?

If you’re filing it with your tax return, attach it to the front of the return and send it to the address in your return’s instructions. If you’ve already filed or are responding to a notice, mail it by itself to the IRS address in the Form 9465 instructions. The address depends on where you live and whether you file Schedule C, E, or F.

How much does an IRS payment plan cost?

There’s a user fee to set up the plan, and it’s lower if you apply online or pay by direct debit. The Form 9465 instructions list the current amounts. Low-income taxpayers pay a reduced fee or none. Interest and late-payment penalties keep accruing on any unpaid balance until it’s paid in full, so pay as much as you can up front.

What happens if I leave the monthly payment blank?

If line 10 is empty, the IRS sets the payment for you by dividing the amount owed on line 9 by 72 months. If your proposed payment wouldn’t pay off the balance before the collection deadline, the IRS may consider you for a partial payment plan and ask for financial information.

How long does the IRS take to respond?

The IRS usually lets you know within 30 days whether your request is approved. If the request is for tax due on a return filed after March 31, it may take longer. If approved, you’ll get a notice with the terms and the user fee.

Does my spouse need to sign?

Yes, for a joint return both spouses must sign. A direct debit from your checking account also won’t be approved unless you, and your spouse if it’s a joint return, sign the form.

Is this Form 9465 filler free?

Yes. Filling out, signing, downloading, and printing the form are free, and no account is needed.

Is my information safe?

Your SSN, amounts, and bank details stay on your device. The PDF is made in your browser, and forms.app doesn’t upload or keep anything you type. Download your form before you close the page.

Your 9465 isn’t ready to print yet

Fill in the required fields on the page (tax forms and years, name and SSN, address, the amount you owe, signature, and date), then print again.

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