How do I set up an IRS payment plan online?

You can set up an IRS payment plan online at IRS.gov/OPA (Online Payment Agreement). For short-term payment plans (120 days or less, any amount): there is no setup fee, and you can apply online without an IRS account. For long-term installment agreements: debts up to $50,000 can be set up online with an IRS account. The setup fee is $31 for Direct Debit agreements (auto-pay from bank account) or $130 for non-Direct Debit agreements. Low-income taxpayers may qualify for reduced fees ($43) or fee waivers. Steps: (1) Go to IRS.gov/OPA, (2) Select 'Individual' and enter your information, (3) Verify your identity, (4) Select your plan type and payment terms, (5) Provide bank account information for Direct Debit (recommended), (6) Review and submit. The system will confirm your agreement immediately. You can also apply by phone (1-800-829-1040) or by mailing Form 9465 (Installment Agreement Request). Online setup is the fastest method and provides immediate confirmation. Make sure your first payment date allows enough time for processing.