The Canadian government has introduced an extra Goods and Services Tax (GST) and Harmonized Sales Tax (HST) credit payment in 2025 to support low- and moderate-income households amid rising living costs. This tax-free benefit, issued quarterly by the Canada Revenue Agency (CRA), helps offset the GST/HST paid on daily expenses.
Knowing the eligibility criteria, payment amounts, and process is essential to ensure you receive your entitled benefits. This guide covers everything you need to know about the additional GST/HST payment in 2025 and how to maximize its advantages.
Understanding the GST/HST Credit
The GST/HST credit is a financial assistance program designed to provide tax-free quarterly payments to eligible Canadians. It helps individuals and families with lower incomes cover the costs of GST and HST on goods and services.
The CRA automatically determines eligibility based on the annual tax return. For 2025, an additional payment is being provided to help Canadians manage inflation and increased household expenses.
Who is Eligible for the Additional GST & HST Payment in 2025?
To qualify for the extra GST/HST payment in 2025, you must meet these conditions:
- Residency Requirement: You must be a Canadian resident for tax purposes.
- Age Criteria: You must be at least 19 years old before the month of your payment. Those under 19 may still qualify if:
- They are married or in a common-law relationship.
- They are a parent and live with their child.
- Income Limits: Your adjusted family net income must fall below the threshold set by the government for the 2024 tax year.
- Tax Filing Requirement: You must file your 2024 income tax return by April 30, 2025, even if you had no income.
The CRA automatically determines eligibility based on tax returns, meaning there is no separate application process.
Payment Amounts for 2025
The amount received through the GST/HST credit depends on income, marital status, and the number of dependent children under 19. Below is an overview of the maximum payments available for the July 2024 – June 2025 period:
| Household Type | Maximum Yearly Benefit |
|---|---|
| Single Person | Up to $519 |
| Married/Common-Law Couple | Up to $680 |
| Each Child Under 19 | Up to $179 per child |
Income Phase-Out Limits
Payments gradually decrease as household income rises. The phase-out thresholds for 2025 are as follows:
| Household Type | Maximum Income for Partial Benefit |
| Single (No Children) | $52,255 |
| Married/Common-Law (No Children) | $55,295 |
| Married/Common-Law (One Child) | $58,295 |
| Married/Common-Law (Two Children) | $61,295 |
The CRA will determine the exact amount you qualify for based on your 2024 tax return.
Payment Schedule for 2025
GST/HST credit payments are distributed every quarter. In 2025, payments will be made on the following dates:
- January 3, 2025
- April 4, 2025
- July 4, 2025
- October 3, 2025
If the scheduled payment date falls on a weekend or holiday, the deposit will be made on the last business day before the scheduled date.
Steps to Ensure You Receive Your GST & HST Credit
Since the CRA determines eligibility based on tax filings, there is no need for a separate application. However, to avoid delays or missed payments, follow these steps:
- File Your 2024 Tax Return on Time: Submit your return by April 30, 2025, even if you had no income.
- Update Your Information: Keep your address, marital status, and banking details current with the CRA to prevent payment issues.
- Set Up Direct Deposit: Register for direct deposit via your CRA My Account to receive payments faster and more securely.
Estimated GST & HST Credit Amounts
Example 1: Single Individual
- Profile: Emma, a single individual earning $35,000 per year.
- Calculation:
- Base Credit: $519.
- Since Emma’s income is below the phase-out threshold, she qualifies for the full amount.
- Quarterly Payment: $129.75.
Example 2: Married Couple with Two Children
- Profile: Liam and Sophie, a married couple with two children and a combined income of $48,000.
- Calculation:
- Base Credit for Couple: $680.
- Children’s Credit: $179 x 2 = $358.
- Total Annual Credit: $680 + $358 = $1,038.
- Quarterly Payment: $259.50.
Conclusion
The additional GST/HST payment in 2025 is a significant financial relief initiative aimed at helping Canadians cope with inflation and increased living costs. By filing your tax return on time and keeping your information updated, you can ensure a seamless receipt of your payments.
For official updates and further details, visit the Canada Revenue Agency’s GST/HST Credit page or seek advice from a tax professional.
Frequently Asked Questions (FAQs)
1. Do I Have to Apply for the Extra GST/HST Payment?
No, the CRA automatically determines eligibility when you file your 2024 tax return.
2. What Happens If I Miss the Tax Filing Deadline?
Failing to file your 2024 tax return by April 30, 2025, may result in missing out on the GST/HST credit payments.
3. What If My Income Exceeds the Threshold?
If your income surpasses the phase-out limit, you may receive a reduced amount or no credit at all.
4. How Will I Receive My Payment?
Payments are issued either through direct deposit or mailed cheques, depending on your preference registered with the CRA.
5. What Should I Do If I Don’t Receive My Payment on the Expected Date?
If your payment doesn’t arrive on the scheduled date, wait at least 10 business days before contacting the CRA.
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