Missouri tax payment plan with the Department of Revenue
An online installment agreement is offered by Missouri’s Department of Revenue for both individual and business tax. The PIN shown on your most recent tax notice is what you need to get started.
- Interest for 2026
- 7% per year
- Garnishment limit
- At most 100%
- How long to respond to the bill
- 60 days
- Form for settling
- Form MO-656
Start with the PIN on your Missouri notice
Missouri’s request is based on the bill you received. Before you select the individual or business installment button, gather the items listed on the DOR page on payment options.
- Either your Social Security Number or the tax ID number of your business.
- Gather your most recent tax notice, which shows a personal PIN.
- Details for a bank account or credit card, so you can make payments.
What is covered by the plan and what is left out
An installment agreement lets you pay the full debt over time, interest included. Both individuals and businesses can use one. That same page states that DOR has no installment plans for motor vehicle sales tax or fees and none for driver license fees.
Any balance you do not pay keeps drawing interest. The Missouri statutory interest rates table sets the 2026 rate on unpaid balances at 7%. In Missouri’s wording, penalties are additions to tax and those charges also apply.
How bills escalate
The notices page for individual income tax lists the order of steps. When a Notice of Balance Due remains unpaid, it turns into an Assessment of Unpaid Tax. When 60 days pass with no payment, protest or appeal, the entire amount is due and your appeal rights end.
A Certificate of Tax Lien may then be filed with the county Recorder of Deeds. Your property faces a legal claim from this lien, which can stop you from buying, selling or refinancing. A copy filed with the Circuit Clerk acts like a court judgment. DOR can also hand the debt to collection agencies or to prosecuting attorneys. State workers and holders of professional licenses who ignore a balance notice risk a suspended license or the loss of a state job.
Does Missouri have the power to garnish my wages?
Yes, Missouri can do that. According to the DOR FAQ on collections, the state can garnish wages or bank funds, up to 100%, when that judgment is in place. For this debt, money from your federal or state refund may also be taken.
If a garnishment makes basic living costs unaffordable, you can request a hardship review through Form 5668. Include the listed financial papers and make sure your filing is current. Should a hardship be approved, the garnishment may be lowered or lifted in exchange for an installment agreement. After the debt is resolved, releasing the lien takes 45 to 60 days.
Settling your debt for less
Missouri’s offer in compromise program is established under section 32.378, RSMo. Review payment options first. One example is a monthly installment agreement. For an application, every return must be filed, no open bankruptcy can exist and estimated payments must be current. The request goes on Form MO-656. The DOR relief resources page lists a short Form MO-656A and low-income taxpayers can also find it there.
The IRS and Missouri in one budget
Your federal refund may go to Missouri for state debt, so money you expected to cover an IRS balance can disappear. Treat the two plans as separate bills, each one with its own due date.
Nearby states
Do you owe money to DOR and to the IRS?
Are you handling a Missouri notice while also dealing with an IRS balance? A licensed tax pro can set up both installment plans before any lien or garnishment on a free call.
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