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TIPP - How does TIPP work?

The Tax Instalment Payment Plan (TIPP) is a popular program that allows you to pay your property tax on a monthly basis instead of one payment in June.

Your payment automatically comes out of your chequing account the first day of every month, making budgeting easier and eliminating the risk of a 7% penalty.

Each year property taxes are billed in May, due at the end of June and cover the period from January 1 to December 31.

If you pay through TIPP you don't need to worry about the payment deadline or late payment penalties. Your taxes are spread over 12 months, starting January 1, with your account being paid in full after your December 1 instalment.

Your January 1 to June 1 instalment amount is based on 1/12 of your most recent annual tax levy rounded up to the nearest dollar. This amount is paid through automated withdrawals from your bank account the first day of each month.

When you receive your annual tax bill in May your instalments from July 1 to December 1 will be adjusted to reflect the actual tax levy, ensuring your account is paid in full by year end.

Your tax bill will show:

  • The TIPP credit-to-date.
  • The new instalment amount for the remainder of the year.
  • The date we will start withdrawing the new instalment amount.

At year-end:

  • TIPP automatically continues from year to year.
  • In November, instalments are reviewed to determine your monthly payment amount(s) for January 1 to June 1 of the upcoming year. The revised payment amount then becomes your instalment beginning January 1.
  • If an adjustment is made to your instalment amount, you will be notified.

Questions about joining?

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TIPP How It Works

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Yes, but don’t delay. Request an agreement form to join today before the tax payment deadline.

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Yes, you can join TIPP once last year's tax has been paid.

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​Yes, you can join TIPP at any time, provided:

  1. Any prior year’s tax arrears balance has been paid in full. This includes any charges or penalties.

  2. Your property has previously been billed. Your monthly TIPP instalment amount is based on the most recent tax.

  3. Your property taxes are not part of your mortgage payment. If you are unsure if you are paying Principal, Interest and Tax (PIT), contact your mortgage company/bank.

NOTE: Starting the plan any time after January may require you to make an initial payment, including filing fee.​

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​No. Anyone can join TIPP to pay the taxes on a property.

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​No. Once you’ve enrolled a property on TIPP, you do not need to re-apply each year. Your participation in TIPP for that property automatically continues from year to year. 

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​There is no fee to join TIPP if you start the plan on January 1st. If you join later in the year, a 2% filing fee may be applied to the initial payment. An initial payment includes the monthly instalments you would have paid if you started TIPP on January 1st.

For example, if you start on May 1, you will need to make up January, February, March and April instalments and pay the one-time 2% filing fee of that amount.

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​You can join TIPP at any time during the year.

It’s best to join by the end of November for the upcoming tax year to avoid a filing fee. The program spreads your taxes over the calendar year - January to December. Joining TIPP allows you to pay your property tax on a monthly basis instead of one payment in June. It makes budgeting easier and eliminates the risk of a 7% penalty.

Don’t delay, request an agreement form now.

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Your January 1 to June 1 instalment amount is based on 1/12 of your most recent annual tax levy rounded up to the nearest dollar.  ​

When you receive your annual tax bill in May your instalments from July 1 to December 1 are adjusted to reflect the year’s actual tax levy.  The revised instalment amount ensures your tax account is paid in full by year-end.

For example: Joining the plan with a start date of January 1.




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Your January 1 to June 1 instalment amount is based on 1/12 of your most recent annual tax levy rounded up to the nearest dollar.  ​

When you receive your annual tax bill in May your instalments from July 1 to December 1 are adjusted to reflect this year’s actual tax levy. The revised instalment ensures your account is paid in full by year-end.

Your monthly instalment may also be changed during the year if any adjustments are made to your taxes.  If a change in your instalment occurs you will be notified by mail of your new monthly payment amount and the date the new payment will start.

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​Yes. As TIPP agreements are unique to each property, you will need to request, complete and return an agreement for each property you would like to enrol in the plan.

If you provide the same chequing account information for all your TIPP agreements, your monthly payment will be withdrawn as one transaction.

 

Questions about your account?

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TIPP Accounts

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​The City of Calgary is legislated to mail an annual property tax bill.

As a TIPP participant, your bill will include information on the annual tax levy as well as information about your TIPP enrolment including the TIPP credit to date, the new instalment for the remainder of the year and the date we will start withdrawing the new instalment amount.

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Each year property taxes are billed in May and cover the period from January 1 to December 31.

When property taxes are billed in May there is a balance still owing on the account. By being enrolled in TIPP you are spreading your tax balance into 12 monthly payments over the calendar year without penalty. The final payment withdrawn on December 1 will ensure your tax account has a zero balance.

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In order to reduce the fees associated with withdrawing payments, all instalments from the same bank account are combined and withdrawn as one amount. If you require a breakdown of the single instalment taken, contact Property Tax.

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​Property Owners can request documents showing proof of TIPP enrolment by calling 311 or 403-268-CITY (2489) if calling from outside Calgary.

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Until you successfully join TIPP, the July 1 penalty applied under Bylaw 8M2002 is valid.

You have successfully joined TIPP when:

  1. The completed and signed agreement has been received by The City of Calgary by the “Return by Date” on the agreement.
  2. The applicable initial payment has been received by The City of Calgary by the “Return by Date” on the agreement.
  3. The first automatic monthly withdrawal has been completed on the “start date” shown on the agreement.

Note: The penalty amount showing was not included in the calculation used to determine your monthly TIPP instalment. The penalty amount will be adjusted after all 3 steps noted above have been completed by the date specified on your TIPP agreement.

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