GST/HST Credit payments for July 2025 go out soon and you can get even more this month
July is almost here, and that means a new round of government payments is about to land in bank accounts across Canada — including a boosted GST/HST Credit payment this week.
This quarterly payment from the Canada Revenue Agency is aimed at helping low- and modest-income Canadians deal with the extra cost of goods and services tax (GST) and harmonized sales tax (HST). It's one of several government benefits that get adjusted every summer — and this year, the changes could mean more cash in your pocket.
With July marking the start of a new benefit year, the GST/HST Credit is getting a small bump thanks to inflation, and it's also now being calculated based on your 2024 tax return.
That means if your income or family situation changed last year, you could see a change in the payment you're eligible to get — for better or worse.
Here's what to know about the July 2025 GST/HST Credit payment, who qualifies and how much you might receive.
What is the GST/HST Credit?
The GST/HST Credit is a tax-free payment sent out every quarter by the Canada Revenue Agency. It's designed to help individuals and families with lower or modest incomes handle the extra cost of paying GST or HST on everyday purchases.
In addition to the federal payment, some provinces provide their own top-up amounts. That means your total payment can vary based on where you live in Canada.
Who is eligible for the GST/HST Credit?
To qualify for the GST/HST Credit, you must be a Canadian resident for tax purposes and not exempt from taxes. You also need to be at least 19 years old in the month before the payment is issued — unless you're married, living common-law or are a parent living with your child.
Eligibility is based on your family income and the number of dependants, and starting with the July 2025 payment, those amounts are being calculated using your 2024 tax return.
For the 2025-26 benefit year, your credit begins to phase out once you hit a family income of $45,521. It's gradually reduced until you reach your maximum income level for eligibility:
- $56,181 for a single individual with no children
- $59,481 for a married or common-law couple with no children
- $63,161 for a single parent or couple with one child
- $66,841 with two children
- $70,521 with three children
- $74,201 with four children
How to apply for the GST/HST Credit
In most cases, there's no need to apply separately for the GST/HST Credit — just make sure you file your taxes every year, even if you have no income to report. The Canada Revenue Agency automatically reviews your return to determine if you're eligible and calculates any payments you're entitled to.
If you're new to Canada, you'll need to go through an extra step. To register, fill out Form RC151. If you're applying for children, you'll also need to submit proof of their birth. Once you've completed the form and gathered the necessary documents, you can either submit it online or send everything to your nearest tax centre.
How much is the GST/HST Credit?
The amount you receive from the GST/HST Credit depends on your income and family size, and it's reviewed every year based on your most recent tax return.
For the July 2025 payment — which kicks off the new benefit year — the updated maximum quarterly amounts are:
- $133.25 for a single individual
- An additional $41.25 if you have a spouse or common-law partner
- An additional $46.00 for each child in your care ($87.25 for the first child if you're a single parent)
For example, that means a two-parent family with two kids could receive up to $266.50 every quarter — or up to $1,066 over the full year.
Plus, these are just the federal figures. Depending on where you live, your payment might also include a provincial credit, which is issued at the same time.
How is the GST/HST Credit calculated?
The GST/HST Credit is calculated using a formula that looks at your income, family situation and how many eligible children you have. The Canada Revenue Agency uses your 2024 tax return to figure out your payment for the 2025-26 benefit year, which runs from July 2025 to June 2026.
Here's how it works:
- Start with the base credit — $349 for you, plus $349 for your spouse or common-law partner, and $184 for each child under 19. If you're a single parent, the first child counts as a spouse-equivalent, so you'd receive $349 for them instead of $184.
- Add the single supplement — If you're single and earn more than $11,337, you may get an extra amount, calculated as 2% of the income above that threshold. This tops out at $184, which you'll receive in full if your income reaches $20,537 or more.
- Total it up — All those amounts are added together to get your base entitlement.
- Then reduce it — If your adjusted family net income is more than $45,521, your payment gets reduced by 5% of the amount over that threshold.
The final number is your household's total annual GST/HST Credit, which is split into four equal payments. If your marital status or number of children changes during the year, or if your tax return is reassessed, your payments could be adjusted accordingly.
If you'd rather not do the math yourself, you can use the CRA's child and family benefits calculator to get an estimate of your payment amount.
Is the GST/HST Credit taxable?
No, the GST/HST Credit is completely tax-free. It's designed to help offset the sales tax you've already paid, so you won't be taxed on it again. You don't need to report it on your tax return, and it won't reduce or interfere with any other government benefits or credits you might qualify for.
When are the GST/HST Credit payment dates?
The next GST/HST Credit payment is set to go out on Friday, July 4.
Following that, the final quarterly payment for 2025 will be issued on Friday, October 3.
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