IRS payment plan calculator
Enter what you owe and how long you'd like to pay. You'll see an estimated monthly payment, which plan you may qualify for, and roughly what interest and penalties add along the way.
Your estimate shows up here.Start by entering how much you owe.
How this calculator works
This is an estimate for planning only. The IRS calculates interest daily and applies penalties to the unpaid tax, not the full balance, so your actual numbers will differ. Setup fees aren't included.
Common questions
What's the minimum monthly payment the IRS will accept?
For a streamlined plan, the payment generally needs to pay off the balance within 72 months, including what interest and penalties add. For larger balances, the IRS bases the payment on your income and expenses.
Is it better to choose a shorter plan?
If you can afford it, yes. A shorter plan means less interest and penalty overall. You can also pay extra any month without a penalty.
What if I can't afford the payment shown?
You may still have options, like a partial-pay plan, "currently not collectible" status, or an offer in compromise. Try our relief options quiz, or ask us.