Madison
The GST/HST Credit is a key financial support from the Government of Canada that helps low and modest-income individuals and families manage the rising cost of living.
It’s a tax-free quarterly payment designed to offset the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) that Canadians pay on goods and services throughout the year.
As 2025 approaches, millions of Canadians are set to benefit from this important credit, especially during the November–December period, when many rely on extra income for winter expenses and holiday costs.
What Is the GST/HST Credit?
The Goods and Services Tax/Harmonized Sales Tax Credit is a non-taxable benefit administered by the Canada Revenue Agency (CRA). Its main goal is to help Canadians with low or moderate income recover part of the GST or HST they spend annually.
You don’t need to apply separately — when you file your annual tax return, you’re automatically considered for eligibility. The CRA calculates your credit amount based on your family net income, marital status, and number of children under 19.
Eligibility Criteria
You may qualify for the GST/HST Credit if you meet the following conditions:
- You are a resident of Canada for tax purposes.
- You are 19 years or older, or you have a spouse/common-law partner, or you are (or were) a parent living with a child.
- You file your income tax return each year, even if you have no income.
- Your adjusted family net income is below the CRA’s threshold for your household type.
Households with low to modest income automatically receive the credit once the CRA processes their tax return for the base year.
How Much You Can Expect to Receive
The GST/HST Credit amounts for the 2025 payment year (based on 2024 income) are projected as follows:
| Household Type | Maximum Annual Amount | Additional per Child (under 19) |
|---|---|---|
| Single individual | $533 | — |
| Married/common-law couple | $698 | $184 per child |
| Single parent with 2 children | $901 | Included in calculation |
The actual amount you receive depends on your family income and number of dependents. Payments are made quarterly, so each installment equals one-fourth of your total annual entitlement.
Payment Dates for 2025
The GST/HST Credit is paid four times a year. Below are the expected payment dates for 2025:
| Payment Month | Expected Date | Description |
|---|---|---|
| January 2025 | January 3, 2025 | First quarterly payment of the year |
| April 2025 | April 4, 2025 | Spring installment |
| July 2025 | July 4, 2025 | Recalculated based on new tax return |
| October 2025 | October 3, 2025 | Final payment before the winter cycle |
Although there is no November payment, many Canadians refer to the October installment as their “November support,” since it arrives right before winter and often covers early holiday expenses.
Important Notes for November
If you haven’t received your October payment yet, the CRA advises Canadians to:
- Check your My CRA Account for status updates.
- Ensure your direct deposit information is correct.
- Verify your income tax return was filed and processed on time.
If your payment is delayed due to postal interruptions or processing backlogs, it will still be deposited retroactively once your account is cleared.
The GST/HST Credit remains a lifeline for millions of Canadians struggling with everyday expenses. As a tax-free quarterly payment, it ensures that those earning low to moderate incomes receive much-needed support to handle rising living costs.
With payments distributed every January, April, July, and October, it’s essential to keep your tax filings, bank details, and family information up to date.
For many Canadians, the October payment serves as crucial relief heading into November and the winter season, helping families manage utilities, groceries, and other essentials.
FAQs
Do I need to apply for the GST/HST Credit?
No. You are automatically considered when you file your annual income tax return, even if you have little or no income.
How do I know how much I will receive?
You can find your exact amount on your Notice of Determination from the CRA, which outlines how your payment was calculated based on your family’s income.
What if my income changes during the year?
Your credit amount is based on your previous year’s income. Changes will affect your eligibility or payment amount during the next recalculation period starting in July 2025.