The Canada Revenue Agency (CRA) has officially announced the details for the 2025 GST/HST Credit, a vital tax-free benefit aimed at helping low- and middle-income households manage the rising cost of living.
This quarterly credit provides much-needed relief for millions of Canadians, with automatic eligibility checks once you file your annual income tax return. No separate application is required, making it one of the simplest ways to receive government support.
How Much Can You Receive in 2025?
The credit amounts for the July 2024 – June 2025 benefit period depend on your household type.
- Single individuals: Up to $519 per year (around $129.75 per quarter)
- Married or common-law couples: Up to $680 per year (around $170 per quarter)
- Each child under 19: An additional $179 per year (around $44.75 per quarter)
Families benefit the most, as the credit increases with each eligible child. This additional support helps cover everyday expenses such as food, transportation, and utility bills.
2025 Payment Dates
GST/HST credit payments are made on a quarterly basis. In 2025, the CRA will send payments on the following dates:
- January 5, 2025
- April 5, 2025
- July 5, 2025
- October 5, 2025
If the payment date falls on a weekend or public holiday, you will typically receive the credit on the preceding business day.
Eligibility for GST/HST Credit 2025
To qualify for the GST/HST credit, you must meet the following conditions:
- Be a resident of Canada for tax purposes
- Be 19 years of age or older
- Exceptions apply for individuals who are married/common-law or who are parents under 19
- File your 2024 income tax return (even if you earned no income)
The CRA automatically calculates your eligibility and payment amount based on your adjusted family net income and the number of children under 19 registered for the benefit.
Life Events That May Change Your Payments
Your GST/HST credit amount can increase or decrease depending on life changes, such as:
- Getting married or separated
- Having a child or a change in custody arrangements
- A significant increase or decrease in income
- Moving within or outside of Canada
In shared custody arrangements, each parent receives 50% of the credit amount per child.
How the Credit Is Calculated
The CRA uses your household’s adjusted net income to determine how much you qualify for. The lower your income, the higher your GST/HST credit amount will be. Once your income exceeds certain thresholds, the payment amount gradually reduces and may be phased out completely.
GST/HST Credit 2025 Overview
| Household Type | Annual Amount | Quarterly Amount |
|---|---|---|
| Single | $519 | $129.75 |
| Couple | $680 | $170 |
| Per Child (under 19) | $179 | $44.75 |
| Payment Dates 2025 | January 5, April 5, July 5, October 5 | Quarterly |
How the Credit Helps Canadians
The GST/HST credit is designed to provide financial relief for households struggling with the high cost of living. Many Canadians use the payments for:
- Groceries and essential items
- Utility bills
- Transportation costs
- Child-related expenses
For those who prefer a longer-term approach, setting aside this money for savings or investments can help build financial security. Even small, regular contributions can grow significantly over time.
Good Financial Practices with the Credit
While most households use the credit for immediate needs, here are a few ways to maximize its value:
- Budget wisely – Allocate the quarterly payment toward priority expenses.
- Save or invest – Consider putting a portion into a high-interest savings account or investment fund.
- Emergency fund – Use the credit to build a small financial cushion for unexpected costs.
The 2025 GST/HST Credit is an essential support for millions of Canadians, offering up to $680 per year for couples, $519 for singles, and $179 per child under 19.
Payments are made on January 5, April 5, July 5, and October 5. By filing your taxes on time and keeping your information up to date, you can ensure you receive the correct payments.
This tax-free benefit is not only a tool to help with everyday expenses but also a financial boost that can improve long-term stability.
FAQs
Do I need to apply for the GST/HST Credit?
No. You do not need to apply separately. Once you file your 2024 income tax return, the CRA will automatically assess your eligibility.
Will receiving the GST/HST Credit affect my other benefits?
No. The credit is completely tax-free and does not reduce or interfere with any other federal or provincial benefits.
What should I do if my personal or financial situation changes?
If your circumstances change—such as marriage, separation, or having a child—you should update your information with the CRA, as it may affect your payments.