Tax Instalment Plan (TIP)

The Tax Instalment Plan allows residents to divide their annual tax bill into monthly payments. TIP makes budgeting easier and eliminate the risk of a late payment penalty.
sign up for the Tax Instalment Program by June 15

TIP Payment information (pdf)

How to Join

Step 1: Confirm that you are the registered owner of the property
Step 2: Complete the online application  
Step 3: Look for your email confirmation from The City

Additional Information

  • You must be registered as an owner of the property prior to completing the application form.
  • TIP does not move with you if you move or purchase additional properties.
  • Payments will be automatically withdrawn from your bank account on the last day of each month. If that falls on a weekend or holiday, it likely will be withdrawn from your account the following banking day. 
  • Monthly deadline for applications, changes and cancellations is the 15th of the month.

TIP Forms

Sign up Cancel Change my Bank Account

About TIP

How it works
  • To enroll, the tax account must be current.  
  • Monthly TIP payments are withdrawn on the last day of each month.
  • January to May withdrawals are based on the prior year's taxes divided by the months remaining in the calendar year.
  • In June, withdrawals will be adjusted for the remaining seven months based on the current year's taxes. Any charges to your tax account that have not been paid will result in the following: 
    • Prior to May 1: recalculation of the Tax Instalment Plan withdrawal in June.
    • After May 1: adjustment of the final Tax Instalment Plan withdrawal in December.
  • Tax rolls on TIP are paid in full after the December 31 withdrawal. Accounts enrolled in TIP are not subject to penalties.

The TIP program is a payment contract. The City reserves the right to remove accounts who are in contravention of the terms and conditions of the agreement. 

On your Tax Notice

If enrolled on TIP prior to May 1, the following statements will appear on the Tax Notice.

  • Tax Instalment Plan Notice: This is not a request for payment
  • Your revised monthly Tax Instalment Plan payment effective June 30 will be $XXX
More Information
  • Returned payments will be charged a $35 returned payment fee.
  • A recalculation will occur to adjust the monthly withdrawal amount over the remaining months of the year.  
  • If a second payment is returned in the same calendar year, the account will be removed from TIP and taxes are due in full. When the balance is paid in full, a new application for January can be completed. 

New to the Program?

Who is eligible to apply?

Prior to June 15, registered owners with no arrears (prior year balance) complete the online TIP Application Form

Do I need to reapply each year?

No. The TIP program will automatically renew each year in January. 

What if I have a balance?

Applications for accounts with a prior years balance will be accepted after payment is received in full.

What is my responsibility?

Registered owner's responsibilities include:

  1. Ensuring payment will clear the bank.
  2. If the account is removed from TIP, payment is due in full to avoid penalty. 
  3. If you sell the property, a TIP cancellation form must be submitted by the 15th of the month. 
How is my monthly payment calculated?

January to May payments are based on the prior year’s taxes divided by the months remaining in the calendar year. In June, the monthly instalment amount will be adjusted for the remaining seven months of the year based on the new annual tax amount.

Your property tax notice mailed in May will show the new monthly instalment withdrawal amount to start June 30.

The payment withdrawn December 31 will be for the balance remaining in your tax account and will bring your account to a zero balance.

More Questions?

How do I change my banking information?

Complete the TIP Banking Change form

The completed form must be received by The City by the 15th of the month for which you wish it to be effective. 

Don't forget to double check the numbers on the account number, if you are unsure, forward a copy of the cheque to tax@reddeer.ca. Incorrect submission could result in a $35 return payment fee. 

How are TIP Payments recalculated each year?

TIP amounts are recalculated each year in January to 1/12 of the previous year's tax amount. 

In June, withdrawals will be recalculated for the remaining seven months of the year based on the new annual tax amount. The payment withdrawn December 31 will be for the balance remaining in your tax account and will bring your account to a zero balance.

What happens if I have a dishonoured TIP payment?

A $35 returned payment fee will be applied. The monthly withdrawals will be recalculated over the remaining months. If a second payment is returned in the same calendar year, the account will be removed from TIP. The remaining tax balance will be due in full immediately. 

Why do I have a balance on my Tax Notice

The TIP program allows you to pay the annual Tax Notice over the calendar year. The tax notice will reflect the amount that we have collected between January and April.

Your taxes will be paid in full following the December 31 withdrawal. 

Selling your Property?

Cancel TIP

Online Cancellation forms are available here.

Ownership changes do not cancel the TIP program, to avoid additional withdrawals after your sale, please complete the cancellation form. 

Cancellation forms are required by the 15th of the month to allow for processing.