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  • Payment plan estimator

    You can use the ATO online payment plan estimator to work out a payment plan you can afford. You can also use it to find out how quickly you can pay off a tax debt and how much interest you’ll be charged. The longer you take to pay off your debt, the more it will cost you in interest.

    Once you have worked out a suitable payment scenario based on your circumstances, you can use it as a guide to set up a payment plan and address your tax obligations.

    You can’t use this estimator for super guarantee charge debts.

    Next step:

    Setting up a payment plan

    If you are an individual or a sole trader and you have an income tax or activity statement debt of $100,000 or less, you may be able to set up a payment plan in ATO Online services through myGov.

    Alternatively, you can use our 24/7 automated payment arrangement phone service on 13 72 26 for businesses or 13 28 65 for individuals and sole traders.

    If you can't enter a payment plan through our automated phone service, you'll be connected to a person who will help you during our operating hours, between 8.00am and 6.00pm, Monday to Friday.

    If your tax debt is more than $100,000 or you want to discuss your payment options with us, phone us on 13 11 42 between 8.00am and 6.00pm, Monday to Friday.

    You will need your Australian business number (ABN) or tax file number (TFN) and the full details of your outstanding amount to set up a payment plan.

    See also:

    Payment plan conditions

    • All tax credits/refunds will be used to reduce your tax debt but won't replace the required instalment payment.
    • General interest charge (GIC) will accrue until the debt is paid.
    • You can make additional voluntary payments or pay off the debt at any time.
    • You still need to lodge your activity statements and tax returns and pay any associated liabilities on time.

    If you can't pay an instalment

    If you can't pay an instalment, phone us on 13 11 42 during our operating hours to discuss your circumstances. We may be able to vary the payment plan to suit your current circumstances.

    If you don't pay an instalment we can either vary the payment plan or end it. Then you will have to pay the full amount plus interest immediately or face further recovery action.

    Final instalment or payout figure

    Prior to making your last payment, you should check your account balance online using either:

    If you can’t use our ATO online services, you can phone us on 13 11 42 between 8.00am and 6.00pm, Monday to Friday, for the final amount to pay.

    See also:

    Last modified: 06 Jun 2019QC 21930