The Canada Revenue Agency (CRA) offers a helpful program for low- and modest-income families through the GST/HST Credit. This tax-free quarterly payment aims to ease the financial burden by offsetting the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) paid throughout the year. In 2025, eligible Canadians could receive up to $680 annually. Let’s break down how you can benefit from this credit.
What Is the GST/HST Credit?
The GST/HST Credit is designed to help Canadians with lower incomes by providing quarterly, tax-free payments. These payments help offset the GST/HST they pay on goods and services throughout the year. The credit is available to single individuals, couples, and families with children.
Payment Amounts for 2025
For the 2023 base year, the maximum annual credit amounts are:
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Single individuals: Up to $519
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Married or common-law couples: Up to $680
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Each child under 19: An additional $179 per child.
Example:
A married couple with two children under 19 could receive:
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Base amount: $680
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Children: $179 × 2 = $358
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Total annual credit: $1,038, which is divided into four quarterly payments.
Eligibility Criteria
You may be eligible for the GST/HST Credit if:
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You are at least 19 years old (or under 19 with a spouse, common-law partner, or child).
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You are a resident of Canada for tax purposes.
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You have a modest or low income (based on your family net income).
Even if you had no income, it’s essential to file your tax return to be considered for the credit.
How to Apply for the $680 from CRA This Year
There is no separate application for the GST/HST Credit. The CRA automatically determines your eligibility when you file your annual tax return.
To ensure you qualify:
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File your tax return annually, even if you have zero income.
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Update your marital status and dependents with the CRA.
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Enroll in direct deposit for faster payments.
Payment Schedule
The GST/HST Credit is issued quarterly on the following dates:
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January 3, 2025
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April 4, 2025
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July 4, 2025
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October 3, 2025
If a payment date falls on a weekend or holiday, you will receive the payment on the previous business day.
What Affects Your GST/HST Credit?
Several factors can affect the amount you receive from the GST/HST Credit:
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Adjusted family net income: The higher your income, the lower your credit.
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Marital status: Changes can increase or decrease the amount.
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Children under 19: More children can increase the total amount.
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Residency changes: Moving in or out of Canada can affect eligibility.
Provincial and Territorial Programs
In addition to the GST/HST Credit, several provinces and territories offer additional credits that may be combined with this payment:
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Ontario Sales Tax Credit
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BC Climate Action Tax Credit
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Nova Scotia Affordable Living Tax Credit
Conclusion
The GST/HST Credit is an excellent financial assistance program that can help offset some of the costs of living in Canada. By ensuring that you file your tax return and keep your information up to date, you can access this benefit. Keep an eye on the payment dates and apply for the credit to make the most of the support available to you in 2025.
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Aanchal is a passionate writer with a keen interest in storytelling, content creation, and creative expression. She enjoys exploring diverse topics and crafting engaging narratives that captivate readers.