9465

Installment Agreement Request

Agency
IRS
Revision
Rev. September 2020
Fillable fields
66
Pages
2
Official source
IRS form page
Checked
October 14, 2026
Fill 9465 online
Page 1 of form 9465

Form 9465: Installment Agreement Request

Form 9465 is a request to pay a federal tax debt in monthly installments. You use it when you can't pay everything you owe by the due date.

An approved agreement does not stop the clock. The instructions say interest and any applicable penalties continue to accrue until the balance is paid in full. What the agreement gives you is time and a clear schedule.

Many people can apply online instead. The IRS online payment agreement is available for balances of $50,000 or less and carries a lower fee, so check that option first.

Form 9465, Installment Agreement Request, with the address block and balance lines on page 1

What's on Form 9465

Your information, lines 1a and 1b

Your address and whether it is new.

Line 2: Business name and EIN

Used for closed businesses.

Lines 5 through 9: The balance

The total owed, any payment made with the request and the remaining balance.

Lines 11a and 11b: Proposed monthly payment

The amount you offer. If it is less than line 10 and you can't increase it, the instructions say to attach Form 433-F.

Line 12: Payment due day

A day from the 1st to the 28th of each month.

Lines 13a to 13c: Direct debit

Routing number, account number and the low-income reimbursement checkbox.

Line 14: Payroll deduction

Requires Form 2159.

Part II

Required after a default within 12 months for balances over $25,000 up to $50,000 when the proposed payment is too low.

Lines 21 and 22

Your spouse's income information when applicable.

How to fill out Form 9465

  1. 1

    Check the online option first

    Balances of $50,000 or less can be arranged at IRS.gov/OPA with a lower fee.

    Tip on Form 9465 pointing to IRS.gov/OPA for an Online Payment Agreement when you owe $50,000 or less
  2. 2

    Enter your address

    Mark whether it has changed.

    Form 9465 address lines with new address box checked, sample values
  3. 3

    Enter what you owe

    Lines 5 through 7 total what you owe. Line 8 is any payment you send with the request, and line 9 is the remaining balance.

    Form 9465 lines 5 to 9 with a payment sent and remaining balance, sample values
  4. 4

    Choose a monthly payment

    The instructions describe agreement types: guaranteed for $10,000 or less within 3 years, streamlined for $25,000 or less, or $25,001 to $50,000 with direct debit or payroll deduction, paid within 72 months or by the collection statute expiration date, whichever is less.

    Form 9465 line 10 dividing the amount owed by 72 and line 11a for the proposed monthly payment, sample values
  5. 5

    Pick a due day

    Choose the 1st through the 28th.

    Form 9465 line 12 with the 15th entered as the monthly payment day, sample values
  6. 6

    Add direct debit if you want it

    A nine-digit routing number and an account number of up to 17 characters. Both spouses sign on a joint return. You can fill the form free on this page.

    Form 9465 lines 13a to 13c with routing and account numbers filled, sample values
  7. 7

    Sign it

    Direct debit approval requires your signature, and your spouse's on a joint return.

    Signature line on Form 9465 with a spouse signature line for direct debit approval

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Deadlines, fees and where to send Form 9465

Where to send it

Attach Form 9465 to your return if you file with it. Otherwise mail it alone to the IRS address for your state, using the table in the instructions. Taxpayers outside the 50 states use a separate Austin, Texas address.

Responding to a notice

File Form 9465 by itself at the address in the table. The IRS usually responds within 30 days, or longer for returns filed after March 31.

User fees

The instructions list fees by method. Direct debit and online requests cost less than other methods, and a reduced fee exists for low-income taxpayers. The current amounts are in the instructions.

Liens

A Notice of Federal Tax Lien generally isn't filed for guaranteed or streamlined agreements, but it may be in certain situations.

Defaulting

Missed payments can end the agreement and lead to levies. Appeals may be available through the Collection Appeals Program.

Common mistakes

Requesting a payment too small to pay the balance in time, leaving off bank details, forgetting that interest keeps running and not sending the form to the right address are the common errors.

Related forms

Who can use Form 9465?

  • Individuals who owe income tax

    The instructions say people who owe tax on Form 1040 or 1040-SR can use it.

  • People facing a trust fund recovery penalty

    The instructions list people who may be liable for it.

  • Closed sole proprietorships

    Those who owe employment taxes from a sole proprietorship that has closed can use it.

  • People with a pre-2019 shared responsibility payment

    The form is also available for an individual shared responsibility payment for months before 2019.

  • Who should not use it

    The instructions say not to use it if you can pay in full within 180 days, if you are requesting an agreement online, or if you have a business still operating that owes employment or unemployment taxes.

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Questions about Form 9465

Is an installment agreement the same as an extension?

No. An extension of time to file does not extend the time to pay. An installment agreement spreads payments over months, and interest and penalties continue.

Can I apply online instead?

Yes. Balances of $50,000 or less can be arranged at IRS.gov/OPA, and the fee is lower.

Will the IRS file a tax lien?

The instructions say a lien generally isn't filed for guaranteed or streamlined agreements, but may be in certain situations.

What if I miss a payment?

The agreement can be terminated and enforcement actions such as levies can follow.

How long until the IRS answers?

The instructions say the IRS usually responds within 30 days, or longer for returns filed after March 31.

Do I need Form 433-F?

If your proposed monthly payment is less than the amount on line 10 and you can't increase it, attach Form 433-F. It is also required for balances over $50,000.