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Form 9465

Installment Agreement Request

The paper request for a monthly payment plan when you cannot pay a tax balance in full.

What it does

Form 9465 asks the IRS to let you pay a balance in monthly installments. Many taxpayers can apply online instead, and the IRS says the online route is usually faster. The paper form is a fallback, and it may be attached to a return or sent separately.

When people use it

  • You owe tax, cannot pay it all now and want to spread payments over time.
  • You cannot use the online payment plan application for your situation.

Before you file

  • File every required return first. Payment plan requests generally depend on being current with filing.
  • Work out a monthly amount you can keep up with. A missed payment can put the agreement in default.
  • Larger balances may require a financial statement such as Form 433-F or 433-A.

What to watch for

  • Interest and penalties generally continue to accrue while you pay.
  • A payment plan is not debt forgiveness.
  • Use the exact mailing address in the current form instructions, since it depends on where you live.
Get the current Form 9465 and instructions from the IRS

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This guide is general education, not tax or legal advice. Form requirements and fees change, so confirm details on the IRS page above before you file.