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:

   1-866-256-1147 (opens up phone application) 1-866-256-1147

   Hours:

   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:

   1-888-863-8657 (opens up phone application)1-888-863-8657

   Hours:

   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.