In a time when paying tax on goods and services is unavoidable, Canadians are getting a welcome break.
The GST/HST Credit offers eligible individuals and families up to $1,000 in tax-free payments annually, providing relief from the cost of everyday essentials.
Whether you’re a student, senior, or low-income household, this benefit could significantly ease your financial stress—without the need for a separate application.
What Is the GST/HST Credit?
The Goods and Services Tax (GST)/Harmonized Sales Tax (HST) Credit is a tax-free quarterly payment provided by the government to help low- and modest-income Canadians offset the taxes they pay on consumer goods and services.
Key Features:
- Tax-Free: You do not pay taxes on this amount.
- Automatic Enrollment: No application required for most; eligibility is assessed automatically once you file your annual tax return.
- Paid Quarterly: Payments are issued four times a year.
- Direct Deposit: Most recipients get their payments directly into their bank accounts.
Eligibility Criteria
To be eligible for the GST/HST Credit, you must:
- Be a resident of Canada for tax purposes.
- Be 19 years or older, or:
- Have (or had) a spouse or common-law partner, or
- Be (or have been) a parent and live with your child.
Newcomers to Canada need to submit specific forms depending on whether they have children:
- RC66: For those with children.
- RC151: For those without children.
How Much Can You Get?
The amount you receive depends on your family size and net income. Below is the estimated maximum payment for the benefit period from July 2024 to June 2025:
| Family Type | Maximum Annual Credit (CAD) |
|---|---|
| Single Individual | Up to $519 |
| Married/Common-law Couple | Up to $680 |
| Each Child (under 19 years) | $179 per child |
A family with two children could receive up to $1,038 annually, split into four payments. For those who qualify for smaller amounts (less than $50 per quarter), a lump sum payment is issued in July.
GST/HST Credit Payment Dates in 2025
Payments are issued every three months. Here are the expected dates for the 2025 calendar year:
| Quarter | Payment Date |
|---|---|
| April | April 4, 2025 |
| July | July 4, 2025 |
| October | October 3, 2025 |
| January 2026 | January 3, 2026 |
To receive your payments on time, ensure that your income tax return is filed by the annual deadline and that your banking details are up-to-date with the CRA.
How to Apply
For most Canadians, no separate application is needed. Follow these steps to ensure you receive your credit:
- File your annual income tax return (T1 General), even if you had no income.
- Ensure your personal information—including marital status and number of children—is current.
- Set up or update direct deposit with the CRA to receive funds quickly.
- New residents must submit RC66 or RC151 forms, depending on family status.
Once submitted, the CRA will assess your eligibility and automatically issue payments if you qualify.
Why This Benefit Matters
This tax-free credit is more than just a few hundred dollars. It provides genuine relief to those who often feel the financial pressure of rising food, housing, and utility costs. It’s especially helpful for:
- Students and recent graduates
- Seniors living on a fixed income
- Single parents managing household expenses
- Low-wage workers dealing with inflation
Even though it may seem like a modest amount, the quarterly payments add up, helping families better manage monthly expenses and reduce financial stress.
The GST/HST Credit is one of Canada’s most accessible and helpful financial support programs. It’s automatic, tax-free, and requires minimal effort—just file your taxes on time and keep your information up to date.
Whether you qualify for a few hundred or up to $1,000 annually, every dollar counts when it comes to easing the burden of daily expenses.
If you haven’t filed your tax return yet or recently moved to Canada, now’s the time to take action. You could be missing out on money that’s rightfully yours.
Claim your credit, stay informed, and enjoy tax relief when you need it most.
FAQs
Do I need to apply for the GST/HST Credit separately?
No. As long as you file your annual tax return, the CRA automatically evaluates your eligibility for the credit.
What if I haven’t earned any income this year?
You should still file your tax return. Filing allows the CRA to assess your eligibility for benefits, even if you had no income.
When will I get the GST/HST Credit in 2025?
Payments are scheduled for April 4, July 4, October 3, and January 3, 2026. Smaller amounts may be combined into a lump sum in July.