Fill out 9465 (Installment Agreement Request) online
Form 9465 is used to request a monthly installment plan for paying tax you owe but cannot pay in full. The IRS offers several types of payment plans depending on the amount owed and your financial situation.
How to fill out 9465 (Installment Agreement Request)
Enter your information
Provide your name, address, SSN (and spouse SSN if filing jointly), and the tax return year for which you owe.
Calculate the amount owed
Enter the total amount you owe as shown on your tax return (or notice). Include any estimated penalties and interest.
Propose monthly payment terms
Enter the monthly amount you can pay and the date of each month you want to make the payment. The IRS generally requires you to pay off the balance within 72 months.
Choose payment method and sign
Select your payment method (direct debit from bank account is recommended for a lower setup fee). Provide bank routing and account numbers if applicable. Sign and date the form.
About 9465 (Installment Agreement Request)
Who needs this form
Individual taxpayers and sole proprietors who owe $50,000 or less in combined tax, penalties, and interest (or $25,000 or less for businesses) and need to set up a payment plan with the IRS.
Where to submit
Attach to the front of your tax return when filing, or mail separately to the IRS address listed in the form instructions for your state. Can also be filed online through the IRS Online Payment Agreement tool.
Source and content freshness
- Reviewed: 2026-02-16
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not filing the tax return before or with the installment agreement request
- Proposing a monthly payment that does not cover the minimum required amount
- Forgetting that interest and late-payment penalties continue to accrue during the installment period
- Not considering direct debit (which reduces the setup fee)
Frequently asked questions
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What is the difference between Form 9465 and Form 433-D?
Form 9465 is a request to the IRS to set up an installment agreement. Form 433-D is the actual agreement form that formalizes the payment terms once the IRS approves your request. You typically file Form 9465 first, and the IRS may have you sign Form 433-D as part of finalizing the arrangement.
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