As of May 2025, Canadians receiving the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) credits are preparing for their summer payments. The GST/HST credit is a tax-free quarterly payment intended to help individuals and families with low or modest incomes offset the taxes they pay on goods and services. It is crucial to stay updated on the payment dates to ensure you can plan your finances effectively during the summer months.
The Canada Revenue Agency (CRA) automatically determines your eligibility based on your tax return, but understanding the exact dates will help you anticipate when the money will arrive in your account.
GST/HST Payment Dates for Summer 2025
Here is the full GST/HST payment schedule for the summer period:
| Payment Period | Payment Date |
|---|---|
| Summer Payment 1 | July 5, 2025 |
| Summer Payment 2 | October 4, 2025 |
Payments are generally issued on the fifth day of July and October unless those dates fall on a weekend or public holiday, in which case they are issued on the next business day. For Summer 2025, both dates fall on a Saturday and a Saturday respectively, but the CRA has confirmed payments will still be processed on those days.
How GST/HST Credit Amounts Are Calculated
The amount you receive depends on your family income reported on your 2024 tax return, your marital status, and the number of children you have. For the July 2025 to June 2026 payment cycle, the maximum amounts are expected to be slightly adjusted to account for inflation, based on the CRA’s annual recalculations.
For example, a single individual could receive up to approximately $325 per quarter, while a family with two children might be eligible for up to $650 per quarter. It’s important to file your taxes on time even if you have no income, as the CRA uses your return to determine your eligibility.
What to Do If You Miss a Payment
If you do not receive your GST/HST credit on the scheduled date, wait at least 10 business days before contacting the CRA. Sometimes delays happen due to banking holidays, incorrect direct deposit information, or pending tax return assessments.
You can check the status of your payment through your CRA My Account or by calling the CRA’s dedicated phone line. To avoid future issues, make sure your banking and personal information is always up to date with the CRA.
Additional Tips to Maximize Your GST/HST Credits
- Update Personal Information: Changes like getting married, divorced, or having a child can impact your GST/HST credit. Update your information promptly with the CRA.
- File Taxes Early: Filing early ensures that your payment calculations are accurate and prevents delays.
- Set Up Direct Deposit: Direct deposit ensures quicker and more secure payments.
- Use CRA Tools: The “My Account” portal allows you to view upcoming payments, past payments, and eligibility notices.
Planning ahead can make a noticeable difference, especially during the summer when many households face additional expenses such as vacations, childcare, and back-to-school preparations.
Conclusion
Understanding and keeping track of your GST/HST payment dates for Summer 2025 can help you manage your budget more effectively. By filing your taxes on time, keeping your information updated, and monitoring your CRA account, you ensure you receive the full benefits you’re entitled to. As payment amounts adjust annually, staying informed about the latest rates and requirements is essential. Save the dates and be prepared — your summer finances will thank you.
FAQ
What is the GST/HST credit?
The GST/HST credit is a tax-free quarterly payment issued by the CRA to help low and modest-income Canadians offset the costs associated with paying GST and HST on purchases.
When will the summer 2025 GST/HST payments be made?
The summer payments are scheduled for July 5, 2025, and October 4, 2025.
How do I know if I’m eligible for the GST/HST credit?
Eligibility is determined based on your income reported on your previous year’s tax return. The CRA automatically assesses eligibility once your tax return is processed.
What should I do if I don’t receive my payment?
Wait 10 business days after the scheduled payment date before contacting the CRA. You can also check your CRA My Account for payment updates.
Can I get the GST/HST credit if I have no income?
Yes, even if you have no income, you may still qualify. You must file your taxes annually to be considered.
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