As Canadians continue to navigate inflation and high living costs, the GST/HST Credit remains a vital financial support. Administered by the Canada Revenue Agency (CRA), this tax-free quarterly payment is aimed at helping low- and modest-income individuals and families offset the goods and services tax (GST) or harmonized sales tax (HST) they pay throughout the year. In July 2025, a new cycle of GST/HST credit payments begins and eligible recipients can expect to receive up to $179 for the quarter.
What Is the GST/HST Credit?
The GST/HST Credit is a non-taxable benefit designed to provide financial relief from consumption taxes. It is issued four times a year typically in January, April, July, and October.
The credit is calculated annually based on a person’s net income and family situation from the previous tax year. For the benefit year starting in July 2025, eligibility and amounts will be determined using 2024 tax return data.
This year, many individuals will receive up to $179 for the July installment, which is part of a larger annual entitlement. Depending on income and family composition, this amount may vary, but the maximum per quarter typically reflects one-fourth of the total annual GST/HST benefit.
When Is the Next GST/HST Payment?
The CRA has confirmed that the next GST/HST Credit installment will be issued on July 5, 2025. This payment represents the first quarter of the 2025–2026 benefit year, which runs from July 2025 through June 2026.
To receive the credit on time, individuals must have filed their 2024 income tax return even if they had no income to report. The CRA automatically assesses your eligibility and issues the payment if you qualify.
Who Qualifies for the July 2025 GST/HST Credit?
Eligibility for the GST/HST Credit is based on factors such as income, marital status, and number of children. To qualify in July 2025, you must meet the following criteria:
- Be a Canadian resident for income tax purposes
- Be at least 19 years old (or have a spouse/common-law partner or child)
- Have filed your 2024 income tax return
- Have a family net income below the threshold set by the CRA
While the maximum July payment is $179, the actual amount you receive depends on your adjusted family net income and family size. Individuals with higher incomes or no eligible dependents may receive a reduced amount or none at all.
Here is an estimated breakdown of maximum quarterly amounts for the 2025–2026 benefit year:
| Recipient Type | Estimated July Payment | Annual GST/HST Credit |
|---|---|---|
| Single individual | Up to $95 | Up to $380 |
| Married or common-law couple | Up to $179 (combined) | Up to $716 |
| Per child under 19 | Up to $47 | Up to $188 per child |
These figures may change slightly depending on indexation for inflation or updates from the federal budget.
How to Receive the Payment
If you’re eligible and filed your 2024 tax return, you don’t need to apply separately. The CRA will automatically assess your eligibility and deposit the funds into your registered bank account or mail a cheque. If you’ve moved or changed your banking details, it’s important to update your information through your CRA MyAccount to avoid delays.
For those not receiving the payment despite meeting the requirements, it is advisable to check your CRA account for any processing issues or incomplete information.
Final Word
The GST/HST Credit serves as an essential support system for many Canadians dealing with everyday costs. With the next payment scheduled for July 5, 2025, eligible individuals and families should ensure their tax returns are filed and personal information is up to date. Whether you’re a single adult, a couple, or a parent, this credit can provide timely financial relief to help ease the impact of ongoing inflation.