If You Owe
If you owe taxes, it’s important to understand your options and responsibilities. The IRS provides resources to help you manage your tax debt, including payment plans, installment agreements, and offers in compromise. You can also request an extension to file your return if you need more time, but remember that extensions do not extend the time to pay any tax owed.
If you owe tax, the Internal Revenue Service offers multiple payment options at IRS.gov/ModernPayments.
Pay Online (Fast & Secure)
You can pay using:
- Online Account – View balance, payment history, and make payments (IRS.gov/Account).
- IRS Direct Pay – Free bank transfer from checking or savings.
- Debit/Credit Card or Digital Wallet – Processing fees apply.
- Electronic Funds Withdrawal (EFW) – Pay when e-filing.
- EFTPS (Electronic Federal Tax Payment System) – Free service for bank payments (enrollment required).
- Online Payment Agreement (OPA) – Apply for a monthly installment plan (user fee applies).
Pay by Phone
- Pay by debit/credit card through approved providers (fees apply).
- Use EFTPS to pay directly from your bank account.
Pay by Mobile Device
- Use the IRS2Go mobile app.
- Pay by Cash.
- Cash payments are accepted at authorized locations (do not mail cash).
Pay by Check or Money Order
- Mail payment with Form 1040-V (Payment Voucher).
- Make payable to United States Treasury.
If You Can’t Pay in Full
You may request: Installment Agreement (Form 9465 or apply online)
Additional Resources
For more information on managing tax debt, including installment agreements and offers in compromise, refer to IRS publications and forms. You can also find video tutorials in English, Spanish, and ASL on the IRS YouTube channels.
Source:
Form 1040 instruction
Form 9465
Disclaimer: Always verify information with official Federal or State Department of Revenue Forms and Instructions.