Internal Revenue Service (IRS) Edition Rev. July 2024 4 pages

Form 433-F — Collection Information Statement

The IRS's two-page snapshot of your finances, used to decide how much you can pay toward a tax debt each month.

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Form 433-F · Collection Information Statement
The official Internal Revenue Service (IRS) form, edition Rev. July 2024 — blank
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Form 433-F (2024) Collection Information Statement — page 1 of 4
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Fill this form online Blank PDF from Internal Revenue Service (IRS)

What is Form 433-F?

Form 433-F, Collection Information Statement, tells the Internal Revenue Service what you own, what you owe and what you earn and spend each month. The IRS uses it to work out how a wage earner or self-employed person can pay an outstanding balance — usually as an installment agreement, sometimes as a finding that you can't pay right now.

You'll typically need it when you ask for a payment plan with Form 9465 and owe more than $50,000, or can't pay the monthly amount the IRS would expect, or when a collection employee asks for it. It covers bank and investment accounts, digital assets such as Bitcoin, real estate, vehicles and other assets, credit cards, business receivables and merchant accounts, your job and pay, other household income, and monthly living expenses.

FileIt guides you through every section, works out each property's and asset's equity and the expense totals, prints the answers into the IRS's own PDF and keeps a copy in your vault. You send it to the IRS yourself, with any supporting documents — FileIt never submits anything to the IRS.

Who fills it
Individuals (wage earners or self-employed) who owe federal tax, with their spouse for a joint debt or shared household.
Sent to
With Form 9465, or to the IRS office or address on the notice or letter that asked for it.
When
When requesting a payment plan the IRS needs financial details for, or when the IRS asks.
Signatures
You sign; your spouse signs too when their finances are included.
Edition
Rev. July 2024
Agency
Internal Revenue Service (IRS), Department of the Treasury

Who needs to fill out Form 433-F?

  • People asking for an installment agreement on more than $50,000 of tax debt.
  • People whose proposed monthly payment on Form 9465 is less than the line 10 amount and can't be raised.
  • Self-employed people and sole proprietors whose collection case needs a picture of business and household finances.
  • Anyone a revenue officer or IRS collection employee has asked for a collection information statement.

When to use Form 433-F

  • With Form 9465 when its instructions say to attach Form 433-F.
  • When an IRS letter or employee asks for a current financial statement.
  • Not when you can set up a plan online or owe little enough for a streamlined agreement without financial details.
  • Not when the IRS has asked for the longer Form 433-A (individuals) or 433-B (businesses) instead.

What you need before you start

  • Recent statements for every bank, online and investment account, including ones with no balance.
  • Details of any cryptocurrency: wallet or exchange, email used and today's US dollar value.
  • For each property and vehicle: purchase year and price, current value, loan balance and monthly payment.
  • Credit card limits, balances and minimum payments.
  • Pay stubs for you and your spouse, and figures for any other income, such as Social Security, pensions or net self-employment income.
  • Your monthly living expenses: food, housing and utilities, transportation, health care, child care, taxes, insurance, loans and court-ordered payments.

What’s on Form 433-F

The 2024 edition has 4 pages. FileIt asks for it in 12 parts, and it is signed by Taxpayer and Spouse:

  1. Name, address and householdTaxpayer
  2. Your spouseSpouse
  3. Self-employmentTaxpayer
  4. A. Bank accounts and investmentsTaxpayer
  5. Digital assets (cryptocurrency)Taxpayer
  6. B. Real estateTaxpayer
  7. C. Other assetsTaxpayer
  8. D. Credit cardsTaxpayer
  9. E. Business informationTaxpayer
  10. F. EmploymentTaxpayer
  11. G. Non-wage household income (monthly)Taxpayer
  12. H. Monthly necessary living expensesTaxpayer

How to fill out Form 433-F, step by step

1 Top of page 1: Household

Names and address, county, SSNs and phone numbers, and the number of people in the household under 65 and 65 and over. If you or your spouse are self-employed, add the business name, EIN, type and number of employees.

2 A. Accounts, investments and digital assets

List every bank account (checking, savings, online, PayPal) and investment (CDs, IRAs, 401(k)s, stocks, bonds), ticking the box for business accounts. Then any cryptocurrency, with its wallet or exchange and value in US dollars today.

3 B and C. Real estate and other assets

For each property, its description and county, monthly payment, purchase and refinance details, current value and balance owed. Cars, boats, whole life insurance and valuable items go in C; write "lease" for the year of a leased car. FileIt calculates equity as value minus balance owed.

4 D and E. Credit cards and business

Every card and credit line, even at zero. Self-employed people list accounts receivable (including grants and contracts) and any merchant or digital asset payment accounts.

5 F and G. Income

Your and your spouse's employers, pay frequency, gross pay and taxes per pay period — or attach a current pay stub instead. Then monthly non-wage income: alimony, child support, net self-employment and rental income (0 for a loss), unemployment, pensions, interest and Social Security.

6 H. Monthly living expenses

Enter what you actually pay each month, converting other frequencies (quarterly ÷ 3, weekly × 4.3, biweekly × 2.17, semi-monthly × 2). For food and personal care, and for transportation, you can use the IRS allowable standards unless you spend more. Leave the IRS Allowed column blank. FileIt adds up each group.

7 Signature

Sign under penalty of perjury; your spouse signs too when their finances are included.

Common mistakes to avoid

  • Leaving out accounts with no balance, or a digital asset wallet.
  • Listing your mortgage as rent: the mortgage goes in Section B.
  • Counting whole life insurance as a living expense; it's an asset in Section C, and only term life is an expense.
  • Entering a negative number for a self-employment or rental loss instead of 0.
  • Not converting weekly or biweekly bills to monthly amounts.
  • Filling in the IRS Allowed column, which is for the IRS.
  • Not keeping copies of the statements and bills that back up the figures; the IRS may ask for them.

After you fill it out

Print the PDF, sign it (and have your spouse sign if their finances are included) and send it the way the IRS asked: attached to Form 9465, or to the office or address on your notice or letter. Use separate sheets for anything that didn't fit.

The IRS reviews the statement and may contact you for documents, such as pay statements, bank and loan statements and bills. A larger down payment can speed up an installment agreement and reduce penalties and interest.

FileIt keeps the statement in the person's vault folder. Store the supporting statements next to it, so you can answer follow-up questions quickly.

Fill out Form 433-F online with FileIt

  1. Pick the person. Choose someone from People and FileIt fills in their name, date of birth, address and other details it already knows.
  2. Answer plain-language questions. One part of the form at a time, with the official help text beside each question — 171 fields in all. Your answers save as you go.
  3. Check the live preview. Watch your answers land on the real Internal Revenue Service (IRS) form, and let FileIt do any worksheet arithmetic.
  4. Generate the official PDF. FileIt prints your answers into the agency’s own PDF and files it in that person’s folder in your vault. Sign it, or send it for e-signature.

FileIt fills the form — it never files or submits anything for you. Deliver the finished form to whoever asked for it, the way the form’s instructions say.

Start Form 433-F now — it’s free

Form 433-F: frequently asked questions

When do I need Form 433-F?

Typically with a Form 9465 request when you owe more than $50,000, or when your proposed payment is below the line 10 amount and you can't raise it. The IRS can also ask for it during collection.

Is Form 433-F the same as Form 433-A?

Both are collection information statements for individuals. Form 433-F is the shorter two-page version; Form 433-A is longer and usually requested by a revenue officer or for an offer in compromise.

Do I have to list cryptocurrency?

Yes. The July 2024 form has a digital assets section for every digital asset you own or have a financial interest in, with its value in US dollars as of the day you fill it in.

What are the IRS allowable standards?

National and local amounts the IRS allows for food, clothing, housekeeping, personal care, transportation and housing. The instructions point to the Collection Financial Standards on irs.gov; you may need to substantiate expenses above them.

What if a section is too small?

The instructions say to use a separate sheet for anything that doesn't fit.

Can I fill out Form 433-F online?

With FileIt you answer guided questions, equity and totals are worked out, and everything is printed into the official IRS PDF for you to sign and send.

Official sources

FileIt is not affiliated with or endorsed by Internal Revenue Service (IRS) or any government. This page explains the form in general terms and is not legal, tax or immigration advice. Always read the official instructions, and check that you are using the edition the recipient accepts. Page last reviewed 2026-10-19.

Fill out Form 433-F online