If you’ve filed your tax return and owe the IRS, you have several options to pay your balance—whether you can pay in full or need more time. It’s important to act quickly.
Unpaid balances can accrue interest and penalties, even if you filed an extension.
Important: Filing an extension gives you more time to file, not more time to pay.
What payment options does the IRS offer?
Pay directly from your bank (IRS Direct Pay)
You can pay directly from your checking or savings account at no cost. The IRS allows up to two payments per day, and you can schedule payments up to one year in advance. You’ll receive email confirmation for each payment.
Pay online or by mobile app
You can pay through IRS.gov or the IRS2Go app. These options include Direct Pay and third-party payment providers and let you make payments from your phone or computer.
Pay by check or money order
You can mail a check or money order made payable to “United States Treasury.” Be sure to include:
Your name and address
A daytime phone number
The primary filer’s Social Security number
The tax year and related form or notice number on the memo line
Mail your payment to the address listed on your IRS notice or instructions. Processing may take longer than electronic payments.
Pay with a credit card, debit card, or digital wallet
You can use an IRS-approved payment processor to pay with a card or digital wallet. Processing fees apply.
Pay with cash
You can pay in cash at participating retail locations by selecting the cash option under “Other ways you can pay.” There’s a $1,000 daily limit per payment and a $3.99 fee for each transaction.
What if I can’t pay my tax bill in full?
If you can’t pay the full amount right away, the IRS offers several options. Interest and penalties may still apply, so it’s best to act as soon as possible.
Can I set up a payment plan online?
april can’t set up a payment plan on your behalf.
Important: If you owe taxes, payment plans are handled directly by the IRS, not through april.
You also won’t be able to set up an IRS payment plan until after April 15.
If you owe $50,000 or less in combined tax, penalties, and interest, you may qualify for an Online Payment Agreement. You can apply online in minutes, though setup fees may apply.
What if I want to apply another way?
You can request an installment agreement by phone or by submitting Form 9465, Installment Agreement Request.
Can the IRS temporarily delay collection?
If you’re experiencing financial hardship, you can contact the IRS to request a temporary delay in collection. You’ll need to provide information about your financial situation. Interest and penalties will continue to accrue during the delay.
What’s an Offer in Compromise?
In some cases, you may qualify to settle your tax debt for less than the amount owed through an Offer in Compromise. You can use the IRS’s pre-qualifier tool to see if this option applies to you.
What about state taxes?
State filing and payment deadlines may differ from federal deadlines. If you owe state taxes or need a payment plan, contact your state tax agency directly for next steps.
How can I avoid owing next year?
Reviewing your tax withholding can help prevent a balance due in the future—especially if you’ve had a life change. You can use the IRS W-4 checkup tool to estimate your tax outcome and adjust your withholding.
This content is provided for informational purposes only and should not be construed as tax, legal, financial, accounting, or other advice. Rules and regulations vary by location and are subject to change, so please consult with an expert if you need advice specific to you.
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