If you think youu2019re going to owe this year instead of getting a refund, do your return early. I canu2019t tell you how many clients come in at the last minute because they know theyu2019re going to owe, but canu2019t pay it. Even if youu2019re not sure, do your return early and if you do end up owing, at least that way you know how much you have to save up. Just because you submit your return in, say, February, any additional taxes owed is not due until April 15. Itu2019s not due when you file your return. Doing your return early gives you plenty of time to consider your options for saving up the money to pay your tax bill. If you canu2019t pay any or all of the tax due by April 15, there are a number of ways to settle with the IRS, including a short-term payment plan (if you can pay in full within 120 days) or an installment agreement (if you need longer than 120 days).