The federal tax deadline is April 15, 2026. If you cannot pay in full, the IRS offers various solutions to help you meet your obligations and avoid severe penalties.
Payment Plan Options
- Short-term Payment Plan: For taxpayers owing less than $100,000, you can request up to 180 days via the Online Payment Agreement.
- Long-term Payment Plan (Installment Agreement): For balances under $50,000, monthly payments are available. Manage your plan and set up direct debits through your Individual Online Account.
Additional Debt Relief Options
- Offer in Compromise (OIC): Settle your tax debt for less than the full amount. Use the Offer in Compromise Pre-Qualifier tool to see if you are eligible.
- Temporary Delay of Collection: If facing significant financial hardship, review Topic 202: Tax Payment Optionsto see if you can delay the process.
- Penalty Relief: You may qualify for penalty relief if you have a history of compliance or "reasonable cause" for the delay.
Official IRS Sources
- IRS Tax Debt Help Tool
- IRS Online Payment Agreement
- IRS Offer in Compromise Pre-Qualifier
- IRS Penalty Relief Information
CPA Tip
Never ignore letters from the IRS. Even if you completely lack the funds to pay, filing your tax return and requesting a collection delay will protect you from bank account levies, wage garnishments, and other forced collection measures.