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Internal Revenue Service

Fill out Form 433-F online

Collection Information Statement

Form 433-F gives the IRS a current picture of your finances: your accounts, property, debts, income and monthly living expenses. The IRS uses it to decide how a wage earner or self-employed person can pay a tax balance they owe. If you are asking for an installment agreement, the form's instructions say to send it with Form 9465.

Fill out Form 433-FBlank form from the IRS

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Edition
Rev. 7-2024
Pages
4
Fillable fields
214
Checked against the IRS
November 8, 2026

GuruPDF is not affiliated with the Internal Revenue Service. This page explains the form in plain words; it is not legal or tax advice. Always check the official instructions before you file.

Who uses Form 433-F

  • Individuals who owe federal tax and cannot pay the full balance now
  • Wage earners and self-employed people asking the IRS for a payment plan
  • People the IRS has asked for current financial information after a payment plan request
  • Married taxpayers, since the form has lines for a spouse's details, employer and signature

Before you start

  • Social Security numbers or ITINs for you and your spouse
  • Recent statements for bank, online payment, investment, retirement and digital asset accounts
  • Mortgage, vehicle loan and credit card statements showing balances and monthly payments
  • Current pay stubs, or your employer details and pay amounts
  • A current-year profit and loss statement or Schedule C if you are self-employed, and Schedule E figures if you have rental income
  • Bills for your regular monthly expenses, such as rent, utilities, insurance and child care

How to fill out Form 433-F

  1. Fill in the top of page 1

    Enter your names, address, county of residence and phone numbers, and the Social Security number or ITIN for you and your spouse. Check the box if your address is different from the one on your last return. Enter how many people in your household can be claimed on this year's return, split into under 65 and 65 and over. If you or your spouse have self-employment income, give the business name, EIN, type of business and number of employees, not counting the owner.

  2. Section A: Accounts and lines of credit

    List every personal bank account, including checking, savings, money market and online or mobile accounts such as PayPal, even if the balance is zero. Include business accounts if they apply. Then list investments such as CDs, IRAs, 401(k) plans, stocks, bonds and mutual funds, and any digital assets with the wallet or exchange, the email used to set it up, where the assets are held and their value in US dollars today. Do not enter bank loans here. If a question does not apply to an entry, such as a stock or bond, enter N/A.

  3. Sections B to D: Real estate, other assets and credit cards

    In Section B, list each property you own or are buying, with the monthly payment, purchase and refinance details, current value, balance owed and equity. Equity is the current value minus the amount owed. In Section C, list vehicles with make, model and year, whole life insurance policies with the insurer's name, and other valuable items or business assets. Write "lease" in the year purchased column for a leased vehicle. In Section D, list all credit cards and lines of credit, even with no balance.

  4. Section E: Business information

    Complete this section if you or your spouse are self-employed or have self-employment income, including income from online sales. In E1, list accounts receivable owed to you or your business, including government grants and contracts, and the total available to pay the IRS now. In E2, list credit card merchant accounts if your business takes card payments, and any digital asset wallet or exchange it uses.

  5. Section F: Employment information

    For you and your spouse, enter the current employer's name and address, how often you are paid, gross pay per pay period, federal, state and local taxes per pay period, and how long you have worked there. If you have more than one employer, add the details on another sheet. You can skip this section if you attach a copy of your current pay stub.

  6. Section G: Non-wage household income

    Enter monthly amounts for alimony, child support, net self-employment income, net rental income, unemployment, pension, interest and dividends, Social Security and other income. Net self-employment and net rental income are what is left after ordinary and necessary monthly expenses, and you enter 0 if the result is a loss. For rental income, do not subtract depreciation. Attach a copy of Schedule C or your current-year profit and loss statement.

  7. Section H: Monthly living expenses, then sign

    Enter monthly amounts in the five groups: food and personal care, transportation, housing and utilities, medical, and other expenses such as child care, estimated tax payments, term life insurance and court-ordered payments. Convert bills that are not paid monthly: divide quarterly amounts by 3, multiply weekly by 4.3, biweekly by 2.17 and twice-monthly by 2. Then sign and date the declaration at the bottom of page 2; there is a separate line for your spouse.

After you fill it out

Form 433-F goes to the IRS. If you are asking for an installment agreement, the form's instructions say to send it with Form 9465. If the IRS asked you for the form, for example in a letter or when you tried to change a payment plan online, follow the directions it gave you on how to submit it. Keep a copy of the completed form and your supporting documents, because the IRS may contact you for more information after its review.

Signing: You sign under penalty of perjury that the statement is true, correct and complete, and there are separate lines for your signature, your spouse's signature and the date. The instructions do not say whether an electronic signature is accepted, so follow the directions the IRS gave you when it asked for the form.

Watch out for

  • Do not put your mortgage on the Rent line in Section H. Mortgage payments belong in Section B.
  • Only term life insurance goes in Section H. Whole life insurance has cash value and must be listed in Section C.
  • The Miscellaneous amount in Section H cannot be more than the IRS standard amount for your family size.
  • The IRS may ask for proof of your income and of any expenses above its allowable standards, such as pay statements, bank and loan statements, bills or a court order.

Questions about Form 433-F

When do I need Form 433-F?

The IRS uses it when it needs your current financial information to decide how you can pay a tax balance. For example, the Form 9465 instructions say the IRS may ask for a Form 433-F after reviewing a payment plan request. If you change a payment plan online and cannot make the minimum required payment, the IRS gives you directions for completing Form 433-F or a related collection form.

Do I have to fill in Section F if I have a pay stub?

No. The form says you do not need to complete the employment section if you attach a copy of your current pay stub.

What are the IRS allowable standards in Section H?

They are the IRS Collection Financial Standards, which set amounts for food, clothing and other items, out-of-pocket health care, housing and utilities, and transportation. For food and personal care, if you spend no more than the standard for your family size, you can enter only the total. The standards change, so check the current amounts on the IRS Collection Financial Standards page.

What if a section does not have enough room?

Use a separate sheet for the extra information and attach it to the form. For accounts receivable, enter the total from your additional sheets on the line provided in E1.

Can I set up a payment plan online instead?

The form notes that you may be able to set up an Online Payment Agreement on the IRS website. Check the IRS payment plan page to see whether you qualify.

Official information

Page text last reviewed November 7, 2026.

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