Admittedly, the TV license fee is ancient history, just like the housing tax, or almost. But the tax calendar at the end of the year remains potentially busy: payment of property tax, deduction at source of income tax, tax credits and reductions, etc. Here is the fiscal calendar for the end of 2022, with some chances that are too often overlooked.
October 17, 22 or 27
Payment or last installment of property tax. Monday, October 17 is the official deadline for the payment of this local tax aimed at property owners. However, this deadline only concerns those who pay the property tax with a physical medium: cheque, SEPA TIP, cash at a tax office, or bank card from a tobacconist approved for local payment. It is also the date of the 10th monthly levy of property tax for a third of the owners, those who have subscribed to the monthly payment. For online payment, you have 5 additional days to validate the payment, until October 22. This payment will be debited on Thursday, October 27 from your bank account: if you have paid online before October 22, therefore, but also if you have subscribed to the withdrawal at maturity as 30% of the owners (provided you claim it before the 30 september).
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October 19
Council tax notice. Did you receive a transfer from the Directorate General of Public Finances (DGFiP) on September 6 or October 6? You are therefore one of those who had monthly paid the housing tax and/or the public audiovisual contribution, and the tax authorities have already refunded you what you have paid in excess. Your notice of housing tax and TV license fee will be posted on impots.gouv.fr from October 19, or sent by post at the end of the month if you have refused the zero paper. Finally, if you had opted for the monthly payment but you still have a balance to pay, the notice received from October 19 will notify you of the amount to be paid. In theory, if you have not chosen the monthly payment, you have already received your annual notice.
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October 27
Income tax balance. Second levy of the balance of the tax, if the amount remaining to be paid exceeded 300 euros. On your account, payment is made by order of DIRECTION GENERALE DES FINANCES PUBLIQUES with the wording income tax balance 2021 Invoice number XXX.
November 15
Property tax surplus. You have monthly paid your property tax like almost 35% of real estate owners? If it has increased in 2022, you can already anticipate an 11th and final withdrawal. Example: your 2021 property tax was 1000 euros. On this basis, you were deducted 100 euros each month from January to October. Finally, your property tax notice announced an annual tax of 1085 euros following the cumulative increase in the basis of calculation and your municipal rate. In this case, the additional debit of 85 euros will be made on November 15, as indicated on the schedule on your notice. The levy continues even until a twelfth puncture of the year, on December 15, in the event of a very significant increase in the property tax in 2022.
November 15, 20 or 25
Payment of council tax. The 15th for physical payment, the 20th to validate your online payment. This double chance only concerns a minority of the population, the wealthiest 20% still paying the housing tax, for the last year of existence of this local tax in its current form. In 2023, there will only be a tax on secondary residences. Households liable for the last time in 2022 for their main residence will only pay a tax corresponding to 30% of what they would have paid without the Macron 2017 reform of local taxation. Finally, if you opt for online payment or direct debit, note Friday, November 25 as the date of debit from your bank account.
November 25 (bis)
Income tax balance. Third withdrawal of a series of four punctures, for those whose balance to be paid in September exceeded 300 euros.
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November 30
Tax on your savings interest. Here is an opportunity that many savers ignore. However, it concerns everyone who has a savings product other than regulated passbooks (LEP, Livret A, LDDS) and life insurance. More specifically, the tax deposit on savings products affects classic bank books, old PELs, PELs and CELs opened since 2018, term accounts, etc. If you do nothing, the interest is subject to flat tax: 17.2% social contributions + 12.8% income tax. However, if your reference tax income does not exceed 25,000 euros (50,000 euros for a couple), you can claim exemption from the annual income tax deduction. This threshold is even doubled for dividends received on a securities account. To claim this exemption, in 2023, you must send your request before the end of November to your bank.
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End of November – beginning of December
(Re)modulate your withholding tax rate. More than 2 million households adjust their monthly income tax rate upwards or downwards, in order to follow a marked change in salary or other income during the year. If you are one of them, do not forget to renew the modulation of your withholding tax rate at the end of 2022 in order to keep your modulated rate in 2023. Failing this, the rate from your last income tax return will apply. will apply automatically in January 2023. The DGFiP encourages you to log on to the tool to manage my source deduction on impots.gouv.fr from the end of November this year.
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December 14
Correction(s) for income tax. Like every year, in the middle of the summer, the DGFiP is opening its online correction tool for income declarations: you can correct the charges and resources detailed with the tax authorities since 3 August. If you notice an error in the 2022 tax notice that you have just received, this tool allows you to correct it as quickly as possible. It remains open until December 14. The opportunity, also, to catch up if you forgot to claim a tax benefit…
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December 14 (bis)
Advance on credits and reductions. Are you one of the nearly 9 million households receiving an advance on income tax credits and reductions each year in mid-January? The mid-December deadline only concerns you if your expenses entitling you to these credits and reductions have fallen sharply in 2022. You can reduce the advance of tax credits and reductions, which will be paid in January 2023, in order to to avoid repaying this advance a few months later.
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December 15
Monthly payment of property tax. Are you tired of paying high local taxes in the fall? It’s time to claim a spread over the whole year, in theory in 10 payments from January to October. You must claim the monthly payment before mid-December. If you wake up too late, you can still request the monthly payment during the first half of 2023, but the first 3 monthly withdrawals will be increased, in order to compensate for the absence of withdrawals at the beginning of 2023. Whatever the date of the request, the membership is made under the heading Paymentsthen Subscribe to the monthly direct debit, in your particular space. During this procedure, you can click on calculate your schedule to simulate your future chances.
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December 27
Income tax balance. Fourth and final tapping of the balance of the tax for those whose amount remaining to be paid exceeded 300 euros.