The GST/HST Credit is a tax-free benefit designed to help low- and middle-income Canadians manage the rising cost of living. For 2025, eligible individuals can receive up to $496 annually, paid in four equal instalments throughout the year.
This credit helps offset the impact of the Goods and Services Tax (GST) or Harmonized Sales Tax (HST), offering much-needed relief at a time of high inflation and economic uncertainty.
What Is the GST/HST Credit?
The GST/HST Credit is an annual payment distributed quarterly by the Canada Revenue Agency (CRA). It is not a loan and does not have to be repaid. Its purpose is to reduce the tax burden for those with modest incomes.
The credit amount you receive depends on your net household income, marital status, and the number of eligible children under 19 years old.
Eligibility Requirements for 2025
To qualify for the 2025 GST/HST Credit, you must meet the following conditions:
- Residency – You must be a Canadian resident for income tax purposes.
- Age – You must be at least 19 years old before the month in which the CRA issues the payment.
- Tax Filing – You must file your 2024 tax return, even if you have no income to report.
- Income Thresholds – Your household net income must be below the CRA’s set limit for your family size.
- Accurate Personal Information – Your marital status and number of dependent children must be up to date with the CRA.
Note: No separate application is needed. Once you file your 2024 tax return, the CRA will automatically determine your eligibility and payment amount.
How Much Will You Get in 2025?
For 2025, the maximum annual amount for a single eligible individual is $496. This works out to $124 per quarter.
You may receive more if you:
- Are married or living common-law
- Have dependent children under 19 years old
- Live in a province that offers additional credits
The lower your income, the higher your credit amount will be.
2025 GST/HST Credit Payment Schedule
The CRA has confirmed the official payment dates for 2025:
| Quarter | Payment Date | Maximum Amount Per Person |
|---|---|---|
| Q1 | January 3, 2025 | Up to $124 |
| Q2 | April 4, 2025 | Up to $124 |
| Q3 | July 4, 2025 | Up to $124 |
| Q4 | October 3, 2025 | Up to $124 |
| Total | — | Up to $496 annually |
How Will You Get Paid?
- Direct Deposit: Most recipients will get their payment directly into their bank account.
- Cheque: If you are not enrolled for direct deposit, the CRA will mail you a cheque.
How the CRA Calculates Your Credit
The CRA uses the information from your 2024 tax return to determine your payment. Factors considered include:
- Total household net income
- Number of eligible children
- Marital status
- Province of residence
Why Timely Tax Filing Is Important
Even if you have no taxable income, you must file your tax return to receive the GST/HST Credit. Filing late can result in:
- Delayed payments
- Reduced credit amounts
- Missed instalments if CRA cannot verify eligibility
To avoid problems, ensure your address, marital status, and children’s information are updated with the CRA.
Why the GST/HST Credit Matters in 2025
With prices for essentials like groceries, electricity, and rent continuing to climb, the $124 quarterly payment can help with:
- Covering utility bills
- Reducing grocery costs
- Supporting single-income households
- Providing relief for seniors on fixed incomes
- Helping families with young children manage expenses
How to Check Your Payment Status
Through your CRA My Account, you can:
- Check eligibility and estimated payment amounts
- View payment history and upcoming dates
- Update direct deposit information
- Report payment delays or errors
If you believe your payment is incorrect or missing, you should contact the CRA immediately.
The 2025 GST/HST Credit is an important financial boost for millions of Canadians, offering up to $496 annually to eligible individuals. Paid quarterly, it provides a predictable income supplement that can help offset the impact of rising living costs.
By filing your taxes on time, keeping your personal details updated, and ensuring you meet the eligibility requirements, you can receive this credit without any extra application process. In times of financial pressure, even small, consistent payments like these can make a meaningful difference.
FAQs
Do I need to apply for the GST/HST Credit?
No. If you file your 2024 tax return, the CRA will automatically assess your eligibility.
What happens if I miss filing my tax return?
You will not receive the credit until your return is filed and processed. Delays may also reduce the total annual amount.
Can I receive the credit if I’m under 19?
Generally no, unless you have a spouse, a common-law partner, or are a parent living with your child.