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New online IRS tax debt tool helps taxpayers find the best way to pay

April 24, 2026
Image by Mohamed Hassan from Pixabay

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When you owe taxes but can’t pay your bill in full, the Internal Revenue Service offers a variety of debt settlement options. Now, the agency has a new online Tax Debt Help tool to help you determine which of its payment options works best for you.

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As Tax Day 2026 neared, I posted about how Internal Revenue Service payment plans could help you deal with a large tax bill.

But that’s just one option to pay tax you owe.

And now, the IRS has created a new online tool to help both individual and business taxpayers find which of the agency’s various payment possibilities works best for them.

New online tax debt guidance: The new Tax Debt Tool, as the tax agency has dubbed it, is atop IRS.gov’s special Get Help With Tax Debt page.

It “walks users through a series of straightforward questions about their financial situation and tax debt,” according to the IRS’ announcement of the debt resolution feature. “Based on taxpayer responses, the tool will guide them to potential payment and resolution options available through the IRS.”

I don’t owe more than I can pay, but of course I had to take a test run.

The answers I gave to its six questions prompted the online suggestion that I ask the IRS to temporarily delay its collection process.

Other taxpayer circumstances and query replies could lead them to other payments choices, such as payment plans or an offer in compromise for those who qualify. The debt help page elaborates on those possibilities, and more.

One area offers additional information on special situations under which a taxpayer could get tax relief. These include tax matters involving a spouse, disaster area declarations, military deployment, and identity theft.

The page also has drop-down menus on other tax help topics, such as the various ways taxpayers facing large tax bills can get help.

Increasing digital solutions: The Tax Debt Help tool is the latest in the IRS’ effort to expand digital services. The initiative’s goal is to help taxpayers more quickly resolve issues while reducing the need for phone calls or in-person visits.

The IRS says it designed the tool to be easy to use and accessible to a wide range of taxpayers. It does not require specialized tax knowledge. Plus, it’s available 27/7.

In addition, the online tax debt tool protects taxpayer privacy. It does not require taxpayers to enter personally identifiable information. Users can explore available options without providing details such as Social Security numbers, names, or addresses.

“By guiding taxpayers through their options to pay with simple, interactive questions, we’re helping them understand the paths available and take confident next steps,” said IRS Chief Executive Officer Frank J. Bisignano.

You also might find these items of interest:

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The More Tax Posts tab at the top of this page will take you to, well, more tax posts. You also can search below for a tax topic. 

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TAX-SAVVY WAYS 
TO WRAP UP 2026

It’s over! With October’s extended filing deadline behind us, it is now time to focus on year-end moves to reduce your 2026 tax bill. 

You’ll find ways to do just that on the Tax Tips page (see the More Tax Posts drop-down menu at the top of the blog), as well as the separate tax tip pages for each month, notably October through December. If you’re on the Tax Tips page, you’ll find a monthly list at the end of this column. If you’re on another blog page, you can head straight to the October tips; at the bottom of that tips page you’ll find links to all the other 11 months’ collections of tax advice.

Not to spoil what you’ll find in that tax advice, but it does cover such things as tax deductions for charitable donations, investment moves that could reduce tax due, and ways to max out your tax-favored retirement savings. 

Finally, as the year winds down, things get hectic. There are lots of other things to occupy our time, like the much more fun upcoming holidays. But don’t lose sight of taxes, since timing is key. To be of use, most tax moves must be made by the end of the tax year. That’s Thursday, Dec. 31, which also is the last business day of the year. 

So that you don’t miss that final tax year deadline, also keep an eye on the countdown clock below. It will keep you on top of just how much time is left to make important, tax-saving moves. (Note: I’m in the Central Time Zone, so adjust accordingly for where you live.)

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