Overview: What You Need to Know About the GST/HST Credit in 2025
As of May 2025, many Canadians are preparing for the upcoming summer installment of the Goods and Services Tax (GST) and Harmonized Sales Tax (HST) credits. These are tax-free quarterly payments distributed by the Canada Revenue Agency (CRA) to support individuals and families with low or modest incomes, helping to offset the taxes paid on everyday purchases.
Staying on top of payment schedules and eligibility details ensures you can manage your finances effectively, especially during the high-spending summer months.
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GST/HST Summer 2025 Payment Dates
Key Dates You Should Mark on Your Calendar
The CRA distributes GST/HST credits on a quarterly basis. For Summer 2025, the official payment schedule is as follows:
- July 5, 2025
- October 4, 2025
While both dates fall on a Saturday, the CRA has confirmed that payments will still be issued on these dates. Typically, if a payment date falls on a weekend or holiday, the payment is processed on the next business day—but in this case, no delays are expected.
How Are GST/HST Credit Amounts Calculated?
Factors That Determine Your Payment
The exact amount you receive for the 2025–2026 cycle is determined by several factors:
- Your family net income (from your 2024 tax return)
- Marital status
- Number of children under 19 years old
For this cycle, CRA is expected to make slight increases to credit amounts to keep pace with inflation. While final figures will be confirmed soon, here are some expected estimates:
- A single adult may receive up to $325 per quarter
- A couple with two children could qualify for up to $650 per quarter
To receive these credits, it’s essential to file your tax return, even if you had no income in the previous year.
What to Do If You Don’t Receive Your Payment
Steps to Follow Before Contacting the CRA
If your GST/HST credit doesn’t show up on time:
- Wait 10 business days after the scheduled payment date.
- Check your CRA My Account for updates.
- Verify your banking details and personal information are accurate.
- If needed, contact CRA directly through their dedicated support line.
Banking issues, processing delays, or incorrect information are common causes of missed payments.
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Smart Ways to Maximize Your GST/HST Credit
Simple Strategies to Ensure Full Eligibility and Timely Payments
- Keep Your Info Updated: Life changes like marriage, separation, or having a child can affect your credit. Notify CRA promptly.
- File Early: Filing your tax return early allows the CRA to assess your eligibility without delay.
- Use Direct Deposit: This is the fastest and most reliable way to receive your payment.
- Track with CRA Tools: Use your CRA My Account to view payment schedules, past deposits, and upcoming amounts.
Planning ahead can make your summer smoother—especially with added expenses like travel, childcare, or back-to-school shopping.
Conclusion: Be Ready for Your 2025 GST/HST Credit
Keeping track of your Summer 2025 GST/HST credit dates and understanding how your payments are calculated can help you make better financial decisions throughout the season. By filing your taxes, updating your information, and staying informed, you ensure timely and accurate payments.
Take a few minutes to mark your calendar, check your CRA account, and plan ahead—your wallet will thank you this summer