Millions of low- and modest-income Canadians will see a helpful financial boost this summer as the GST/HST Canada Credit for July 2025 rolls out. This non-taxable quarterly payment is designed to offset part of the goods and services tax (GST) or harmonized sales tax (HST) that Canadians pay throughout the year.
Here’s a detailed breakdown of everything you need to know about the GST/HST Canada Credit July 2025, including payment amounts, eligibility criteria, payment dates, and how it’s calculated.
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What is the GST/HST Credit?
The GST/HST credit is a tax-free quarterly payment provided by the federal government to eligible individuals and families. It helps reduce the impact of GST and HST paid on everyday goods and services. The credit is distributed through the Canada Revenue Agency (CRA) and is based on your net income, marital status, and the number of children in your care.
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When is the July 2025 GST/HST Credit Payment Date?
The first quarterly payment for the 2025–2026 benefit year will be issued on Friday, July 4, 2025. Subsequent payments will follow in October 2025, January 2026, and April 2026.
If you are registered for direct deposit, your GST/HST credit will be deposited automatically into your bank account on that date. If you receive payments by cheque, it may take a few more business days to arrive.
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GST/HST Credit Amounts for 2025–2026
For the benefit year starting in July 2025, the maximum GST/HST credit amounts have been indexed to keep up with inflation. These are the updated figures:
- $533 for single individuals (annually)
- $698 for married or common-law couples (annually)
- $184 for each child under 19 (annually)
These payments are issued quarterly, meaning:
- Singles can receive up to $133.25 every three months
- Couples can receive up to $174.50 every three months
- Each child adds $46 per quarter to the household payment
These amounts may be reduced based on your income.
Who is Eligible for the July 2025 GST/HST Credit?
To be eligible for the GST/HST credit in July 2025, you must meet all the following requirements:
- Be a resident of Canada for income tax purposes.
- Be at least 19 years old (or have a spouse/common-law partner, or be a parent living with your child).
- File your 2024 income tax return, even if you earned no income.
- Have a low or modest adjusted family net income for the 2024 tax year.
The CRA automatically assesses your eligibility when you file your tax return. No separate application is required.
How is the Credit Calculated?
The GST/HST credit is calculated based on your 2024 adjusted family net income. The calculation also factors in your marital status and the number of children under 19 years of age.
Here’s how the credit is determined:
- You get a base credit amount (e.g., $349 for individuals, plus $349 for a spouse or partner).
- You receive an additional $184 per child under 19.
- The credit phases out gradually as your income exceeds a specific threshold (around $45,000 to $50,000, depending on your family size).
Once your income crosses the phase-out threshold, the credit is reduced by 5% of the amount over that limit.
What About Provincial and Territorial Components?
Some provinces and territories offer additional credits or combine their payments with the federal GST/HST credit. These include:
- Ontario Trillium Benefit
- Nova Scotia Affordable Living Tax Credit
- Newfoundland and Labrador Income Supplement
- Northwest Territories Cost of Living Offset
- And others
These may appear as part of your GST/HST credit payment depending on where you live.
Quick Overview: GST/HST Credit July 2025
| Feature | Details |
|---|---|
| Payment Date | July 4, 2025 |
| Benefit Period | July 2025–June 2026 |
| Max Single Credit | $533/year ($133.25 quarterly) |
| Max Couple Credit | $698/year ($174.50 quarterly) |
| Child Amount | $184/year per child ($46 quarterly) |
| Automatic Eligibility | Yes, based on 2024 tax return |
| Phase-Out Threshold | Begins at AFNI of $45,521 |
| Provincial Top-Ups | Varies by province |
How to Make Sure You Get the Payment
- File your 2024 taxes before the deadline, even if you have no income.
- Update your marital status, address, and direct deposit information with the CRA.
- Check your CRA My Account online to view your benefit status and payment schedule.
Final Thoughts
The GST/HST Canada Credit July 2025 provides essential relief to Canadians struggling with the rising cost of living. With increased payment amounts and automatic deposits for those who qualify, this credit is an important financial support measure for many households.
Make sure your 2024 tax return is filed and up to date so you don’t miss out on this valuable benefit. The CRA will notify you by mail or through your online CRA account if you are eligible and how much you will receive.