Arrange to pay your personal debt over time

Coming soon!

The Payment Arrangement Calculator (PAC) is moving to the My Account / My Business Account (MyBA) secure portals.

If you cannot pay your debt in full, the CRA can help you set up a payment arrangement. A payment arrangement is an agreement with the CRA to pay your balance in several regular payments over a period of time. 

Set up a payment arrangement

If you owe an amount to the CRA, we will work with you to find the best way to pay your debt through a payment arrangement.

Steps to help you set up an arrangement

  1. Calculate your monthly income and expenses

    Use the personal income and expense worksheet to determine what you can afford to pay on a regular basis.

  2. Determine how much you can afford to pay

    Enter the following in the payment arrangement calculator:

    • your debt amount
    • frequency of your payments
    • interest rate (enter 0% interest for COVID-19 benefit overpayments for individuals)
    • amount per payment or the number of payments

    This will calculate the date when you will finish paying your debt and your estimated interest charged.

  3. Call the CRA to set up your payment arrangement

    You must call to set up a payment arrangement:

    Automated TeleArrangement service

    Telephone number:
    Dedicated hours
    Date Hours
    Monday to Friday 7 am to 10 pm (ET)
    Saturday and Sunday Closed

    Closed on public holidays

    Speak to a CRA agent
    Telephone number:
    Dedicated CRB number hours (phone-1)
    Date Hours
    Monday to Friday 7 am to 8 pm (ET)
    Saturday and Sunday Closed

    Closed on public holidays

    You can also request an individual tax debt call.

  4. Start your payment arrangement

    To start your payment arrangement, you need to make your first payment towards your debt.

    You must continue to make payments on the agreed upon dates in your payment arrangement and file all future tax returns on time. Your payment arrangement may be reviewed periodically.

    For options, go to make a payment.

Even if you have a payment arrangement and are making payments, the CRA is authorized to take amounts from benefits or credits you receive when you have a debt.

Adjust your payment arrangement

If anything changes and you need to adjust your payment arrangement or you are unable to pay, you must contact the CRA.

Failure to do this may cause the CRA to proceed with legal actions to collect the balance you owe.

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