---
title: How Much Is the IRS Payment Plan Fee? 2026 Guide | TaxTruce
url: https://taxtruce.com/answers/how-much-is-the-irs-payment-plan-fee
updated: 2026-10-29
---

# How much is the IRS payment plan fee?

Updated October 8, 20261 sourceTaxTruce team[Fact checked](/editorial-standards)

The short answer

A short plan has no setup fee. A long plan with direct debit costs $29 online or $107 by phone or mail. Other long plans cost $69 online or $178 by phone or mail. Low income filers pay no fee with direct debit, or $43 without it, which may be paid back.

## Sources

1. [IRS: Payment plans and installment agreements](https://www.irs.gov/payments/payment-plans-installment-agreements)

Run the numbers with our [free tax tools](/tools), like the penalty and payment plan math.