The GST/HST Credit July 2025 is a tax-free financial benefit offered by the Canada Revenue Agency (CRA) to help low and modest-income households cope with the rising cost of goods and services.
This quarterly payment is designed to offset the impact of Goods and Services Tax (GST) and Harmonized Sales Tax (HST), especially for Canadians struggling with day-to-day living expenses.
Let’s take a closer look at the payment schedule, amounts, eligibility, and income limits for the July 2025 installment of the GST/HST Credit.
GST/HST Credit Payment Schedule – July 2025
The CRA issues GST/HST Credit payments quarterly. For the 2025–2026 benefit year, the key payment dates are:
| Payment Month | Scheduled Date |
|---|---|
| July 2025 | July 5, 2025 |
| October 2025 | October 4, 2025 |
| January 2026 | January 3, 2026 |
| April 2026 | April 3, 2026 |
If your total annual credit is less than $50, CRA may issue the entire amount as a lump sum in July 2025, rather than splitting it quarterly.
GST/HST Credit July 2025 – Payment Amounts
Your GST/HST credit amount is based on your 2024 income tax return and varies depending on your family situation and income level. The maximum annual credit amounts for July 2025 are:
| Recipient Type | Maximum Amount (Annual) |
|---|---|
| Single Individual | $519 |
| Married/Common-law Couple | $680 |
| Per Child Under 19 | $179 |
These amounts are federally set and are subject to reduction if your income exceeds certain thresholds.
Income Limits for July 2025 GST/HST Credit
To qualify for the credit in July 2025, you must meet the following basic criteria:
- Be 19 years or older, or have a spouse/common-law partner or a child
- Be a resident of Canada for income tax purposes
- Have filed a 2024 income tax return
Estimated Income Limits:
| Household Type | Maximum Net Income (2024) |
|---|---|
| Single Individual | Up to ~$52,000 |
| Family with Children | Up to ~$60,000 |
Note: These thresholds are approximate and vary by family composition and province of residence.
How the GST/HST Credit Helps Canadians
The GST/HST credit is a critical tool in the CRA’s efforts to support low-income individuals and families, especially those hit hardest by inflation.
Alongside other non-taxable benefits like the Canada Child Benefit (CCB) and the Climate Action Incentive, the GST/HST credit offers a much-needed cushion for:
- Seniors on fixed incomes
- Single-parent families
- Newcomers and low-wage earners
Once you’re eligible, the payment is automatically deposited into your bank account—no need for a separate application.
The GST/HST Credit for July 2025 continues to play a key role in providing financial relief for eligible Canadians. With payments scheduled for July 5, 2025, and clear income thresholds, the CRA ensures that the benefit reaches those who need it most.
If you’ve already filed your 2024 tax return and meet the income guidelines, you’re likely set to receive your credit without any further steps.
FAQs
Who qualifies for the GST/HST credit in July 2025?
You must be a Canadian resident, aged 19 or older, or have a spouse or child, and have filed your 2024 tax return.
What happens if I haven’t filed my 2024 taxes?
You won’t receive the credit. Even if you earned no income, filing your 2024 tax return is mandatory to be considered.
Can newcomers to Canada get the GST/HST credit?
Yes. Newcomers can apply using CRA Form RC151 and, once approved, future credits will be automatically processed.