As inflation and living expenses continue to weigh on household budgets, Canadians with low to moderate incomes are set to receive some timely relief. On July 5, 2025, the Canada Revenue Agency (CRA) will issue its latest instalment of the GST/HST credit, a tax-free quarterly payment designed to help offset the cost of federal and provincial sales taxes.
This payment could mean an extra \$179 or more, depending on your personal or family situation. Whether you’re single, married, or raising kids, the CRA uses your income and family size from your 2024 tax return to calculate the amount you’re eligible for.
What Is the GST/HST Credit? (Quarterly Tax-Free Credit)
The GST/HST credit is a federal financial assistance program that provides tax-free payments every three months. It aims to support lower- and middle-income Canadians who are disproportionately affected by Goods and Services Tax (GST) and Harmonized Sales Tax (HST).
There’s no need to apply separately for this benefit. Once you file your annual income tax return, the CRA automatically reviews your eligibility. If you qualify, you’ll receive the credit each quarter, either by direct deposit or by mail.
Whether you’re living alone, with a partner, or raising children, the payment is designed to reflect your household circumstances. It’s one of the few government programs that adjusts benefits based on marital status and number of children under 19.
Payment Date Confirmed: Mark July 5, 2025
The next GST/HST credit payment date is officially set for July 5, 2025. Canadians can expect the money to be deposited into their accounts or mailed out via cheque around that day.
- If you’re signed up for direct deposit, expect the payment in your bank account by July 5.
- If you’re receiving a paper cheque, allow up to 10 business days after the payment date.
If you haven’t received your credit by mid-July, the CRA recommends logging into your My Account online portal or contacting their support team for assistance.
Who Is Eligible for the GST Credit?
To be eligible for the GST/HST credit, you must meet a few basic criteria:
- Be a Canadian resident for tax purposes
- Be 18 years or older
- Have filed your 2024 income tax return
- Have a net income below specific thresholds
The income cutoffs vary depending on your household structure:
| Status | Income Threshold (Approx.) |
|---|---|
| Single individual | Less than \$53,000 |
| Couple (no children) | Less than \$60,000 |
| Family with children | Up to \$70,000 or more |
Even if your income is slightly above these numbers, you might still receive a reduced credit based on your household income and structure.
How Much Can You Expect to Receive?
While \$179 is the base amount for a single individual, your total payment could be significantly higher if you have a partner or children.
Here’s how the CRA calculates the July 2025 GST/HST credit based on family composition:
| Recipient Type | Amount |
|---|---|
| Single individual | \$179 |
| Married/common-law couple | Up to \$467 |
| Per child under 19 | Extra \$179 each |
So, for example, a family of four—two parents and two children—could receive a total of \$825 this July.
The final amount you receive is based on your 2024 income tax return, which must be filed to ensure you get the credit. If your income or household structure changed recently, the CRA will use your updated information to determine your eligibility.
No Extra Paperwork Needed
One of the most convenient parts of the GST/HST credit is that it’s completely automatic—no forms, no extra steps.
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As long as you’ve filed your taxes on time, the CRA reviews your income details and automatically issues the credit if you qualify. There’s no need to apply each year, but you must ensure your filing is complete to stay eligible.
This approach helps streamline benefits for millions of Canadians while also encouraging timely tax filing, which is necessary for other government programs as well.
Why This Credit Matters Now More Than Ever
With everyday costs rising, the GST/HST credit offers much-needed financial breathing room for lower-income Canadians. From groceries to gas, almost everything is taxed—and this credit is designed to give back some of that burden.
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Even if the payment might seem small, when received quarterly, it can help with:
- Buying essentials
- Paying bills
- Covering back-to-school costs
- Managing seasonal expenses
For many Canadians, especially those on fixed incomes, this program serves as a vital top-up to monthly budgets.
Don’t Miss Your Payment: What to Do if It’s Late
If you haven’t received your GST credit by July 15, 2025, here’s what you should do:
- Log in to your CRA My Account to confirm payment status
- Check your bank statement for a direct deposit
- If receiving by mail, wait at least 10 business days
- Still nothing? Contact CRA directly
Keeping your personal and banking information up to date with CRA ensures you avoid delays in receiving any federal benefits.
Final Thoughts: File On Time, Get Paid Automatically
The upcoming GST/HST credit payment is a straightforward way the federal government puts money back in your pocket. No complicated processes. No applications. Just ensure your tax return is filed and your personal details are accurate.
If you qualify, your tax-free payment will be sent automatically on July 5, 2025. With as much as \$825 available for families, this quarterly boost is one of Canada’s most important tools in helping citizens navigate rising living costs.
Whether you’re single or have a family, this credit helps return a portion of what you’ve paid in taxes—exactly when it’s needed most.