---
title: IRS Payment Plan Calculator: Monthly Cost and Fees
url: https://taxtruce.com/tools/payment-plan-estimator
updated: 2026-10-29
---

# IRS payment plan estimator

Your monthly payment, setup fee and plan type.

Estimated monthly payment

$581/mo

Plan type**Long term**

Setup fee**$29**

Apply online**Yes**

Total paid**$20,938**

Estimate only. Your IRS notice is the real number.

## IRS plan fees

| Plan | Online | Phone, mail or in person |
| --- | --- | --- |
| **Short term, 180 days or less** | $0 | $0 |
| **Long term, automatic bank debit** | $29 | $107 |
| **Long term, other ways to pay** | $69 | $178 |
| **Low income, bank debit** | Waived | Waived |
| **Low income, other ways to pay** | $43 | $43 |

## Who can set up a plan online?

* Short term: you owe less than $100,000 in tax, penalties and interest, and can pay in 180 days or less.
* Long term: you owe $50,000 or less and have filed all required returns.
* Over $50,000, you may still get a plan, but it takes a financial form. A tax pro can help.

Penalties and interest keep growing until the balance is paid in full.

Results depend on your situation. Not every case qualifies.

This is an estimate based on public IRS rules and rates as of October 1, 2026. Your IRS notice or online account shows your real balance.

## Sources

1. [IRS: Payment plans (installment agreements)](https://www.irs.gov/payments/payment-plans-installment-agreements)
2. [IRS: Failure to pay penalty](https://www.irs.gov/payments/failure-to-pay-penalty)
3. [IRS: interest rates for the fourth quarter of 2026](https://www.irs.gov/newsroom/interest-rates-remain-the-same-for-the-fourth-quarter-of-2026)

## How this payment plan estimator works

A short term plan gives you up to 180 days with no setup fee. You can apply online if you owe less than $100,000.

A long term plan is monthly. With auto pay from your bank, the setup fee is $29 online or $107 by phone or mail. Other ways to pay cost $69 online or $178 by phone or mail. You can apply online if you owe $50,000 or less and filed all returns.

We add interest at the current IRS rate and the 0.25% a month plan penalty for people who filed on time.

This is an estimate based on public IRS rules and rates. Your IRS notice or online account shows your real balance.

## Common questions

What if I owe more than $50,000?

You may still get a plan. It takes a call or Form 9465, and the IRS may ask about your income and bills.

Can low income filers skip the fee?

With auto pay, yes. Without it, the fee is $43 and may be paid back.