The Canada Revenue Agency (CRA) has released the updated GST/HST credit payment schedule and income thresholds for 2025. The Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit is a quarterly tax-free benefit aimed at helping low- and modest-income Canadians offset the GST or HST they pay. This year’s revision of the CRA’s 2025 GST/HST Credit Table by Income includes critical changes in income brackets, credit amounts, and eligibility rules. Canadians looking to understand how much they’ll receive need to review the income limit Canada has applied for the 2025 benefit year.
Who Qualifies: 2025 GST/HST Credit Eligibility Chart
To determine your qualification and payment amount, CRA uses a detailed eligibility chart based on your net family income and family size. The credit amount gradually reduces as your income increases, phasing out entirely once you surpass a certain threshold.
Below is a simplified eligibility chart for the 2025 benefit year (based on your 2024 tax return):
Family Situation |
Net Income Limit (Canada) |
Maximum Annual Credit (2025) |
|---|---|---|
Single (no children) |
Up to $52,255 |
$344 |
Married/Common-law (no kids) |
Up to $55,700 |
$448 |
Single parent with 1 child |
Up to $58,000 |
$606 |
Couple with 2 children |
Up to $63,500 |
$924 |
The exact amount you receive is calculated using the CRA’s 2025 GST/HST Credit Table by Income, which considers your marital status and number of dependents.
How CRA Calculates Your GST/HST Credit in 2025
The CRA uses your 2024 tax return to assess your eligibility for the 2025 credit. The calculation is not static—it’s adjusted for inflation annually. The base amounts are increased slightly in 2025 to reflect the higher cost of living. Additionally, partial credits are available for individuals and families with net incomes slightly above the threshold.
For example, a couple with two children and a net income of $60,000 would receive a partial credit. The payment is issued quarterly—in July, October, January, and April. Canadians are encouraged to file their tax returns on time, even if they have no income, to avoid missing out.
Key Income Limits Canada Has Set for GST/HST Credit in May 2025
CRA has adjusted the income limit Canada uses to reflect current economic conditions. These changes aim to ensure more households qualify amid inflation and rising living costs. Here are some notable 2025 figures:
- Individuals earning above $52,255 will receive a reduced or no credit.
- Couples with income above $63,500 will no longer be eligible.
- Each child adds approximately $172 to the annual credit, subject to clawbacks based on family income.
These adjustments underscore the importance of reviewing the CRA’s 2025 GST/HST Credit Table by Income regularly, especially for families whose earnings fluctuate.
When You’ll Receive Your GST/HST Credit in 2025
For the 2025 benefit year, payment dates are as follows:
- July 5, 2025
- October 4, 2025
- January 3, 2026
- April 4, 2026
Payments are direct-deposited or mailed, depending on your preference. Any changes in marital status, dependents, or income should be promptly reported to CRA to avoid overpayments or underpayments.
Final Thoughts
Navigating the GST/HST credit can be complex, especially with annual changes. Staying updated with CRA’s 2025 GST/HST Credit Table by Income ensures you know what to expect and how to plan. Even small changes in income or family situation can affect your eligibility, making it essential to consult the most recent eligibility chart and income limit Canada has published.
FAQs About the 2025 GST/HST Credit
What is the maximum GST/HST credit I can receive in 2025?
The maximum credit for a single individual is $344, while a couple with two children can receive up to $924 annually.
How does CRA decide how much I get?
CRA uses your net family income from the previous year’s tax return, along with your family size, to determine the amount.
Can I still get the credit if my income is slightly over the limit?
Yes, a partial credit may still be available. The amount gradually phases out as income increases.
Do I have to apply for the GST/HST credit every year?
No separate application is needed. Just file your taxes each year, and CRA will automatically assess your eligibility.
What happens if my family situation changes mid-year?
Changes such as marriage, divorce, or having a child should be reported to CRA immediately, as they may affect your payment.
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