ATO Payment Plan / Payment Arrangement (Tax Debt)

Issuing authority

Australian Taxation Office

Official source

How to apply

1. Log in to myGov and open the ATO online services link (for individuals and sole traders), or log in to ATO Online Services for Business (business.gov.au) for companies and other business entities.
2. For individuals: select Tax, then Payments, then Payment plans. For businesses: select Accounts and payments, then Payment plans.
3. Use the Payment Plan Estimator tool (ato.gov.au/calculators-and-tools/payments-payment-plan-estimator) to calculate an affordable instalment amount before applying.
4. Enter your proposed payment frequency (weekly, fortnightly or monthly) and instalment amount; review the estimated General Interest Charge (GIC) that will continue to accrue on the outstanding balance.
5. Submit the payment plan request — if you owe $200,000 or less, approval is typically immediate online.
6. If you owe more than $200,000 or cannot afford the online offer, phone the ATO on 13 11 42 (individuals) or 13 28 66 (businesses) to negotiate a tailored arrangement with an ATO officer.
7. Make each instalment on time via BPAY, credit card or direct debit to avoid the arrangement defaulting.
8. Monitor the outstanding balance and pay off the debt as quickly as possible to minimise GIC (currently 10.96% p.a. compounding daily for the April–June 2026 quarter).

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