Form 9465: Installment Agreement
The form to request monthly payments on your tax debt. For balances under $50,000, you can qualify for a streamlined agreement without detailed financial disclosure. Learn about setup fees, direct debit options, and how to get the lowest monthly payment.
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Form 9465: Key IA Terms & Fees
| Feature | Details |
|---|---|
| Streamlined IA Threshold | Balance under $50,000 — no Form 433-A required. Over $50,000: limited financial disclosure or full 433-A/433-F required. |
| Maximum Term | 72 months (6 years) for most Installment Agreements — but must pay in full before CSED expires. |
| Setup Fee (Online) | $31 for online application (lowest fee), $107 for direct debit agreement, $178 for non-direct debit agreement. |
| Setup Fee (Low-Income) | Reduced to $43 for non-direct debit, or waived entirely. Qualify if income is at or below 250% of HHS poverty guidelines. |
| Direct Debit Benefit | Lower setup fee ($107 vs $178), lower monthly failure rate, automatic payments prevent default. |
| Default Triggers | Missing a payment, filing a future return with a balance due without paying it, or failing to provide updated financial info if requested. |
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Official IRS Source
View the official IRS Form 9465 PDFNew Beginning Tax Solutions is a private tax resolution company and is not affiliated with the IRS, the U.S. Department of the Treasury, or any government agency. This page is for general information only and does not constitute tax, legal, or financial advice. Tax rules change frequently — verify current requirements against official IRS sources before relying on anything you read here. Results vary based on individual circumstances.