GST/HST Credit Estimator (2025–26)

Estimate your annual GST/HST credit for July 2025–June 2026 based on your family situation and adjusted family net income.

This estimator is for Canadians on low and modest incomes who want to know roughly how much GST/HST credit they will receive. The credit is automatic for most people who file a tax return, but understanding the amount helps with budgeting and confirms you are getting what you should. It is useful for single adults, couples, and families with children, and for newcomers to Canada working out what they qualify for. Because the credit uses the previous year's income and is paid quarterly, the estimate here reflects the July 2025 to June 2026 period based on 2024 income.

The GST/HST credit is a tax-free quarterly payment that offsets some of the sales tax lower-income households pay. The amount depends on your family situation and your adjusted family net income. The calculator builds a base from your status — a single adult, a couple, and an amount for each child under nineteen — then reduces it as income rises. Above an income threshold of about $45,521, the credit is reduced by 5% of the income above that level, phasing out to zero for higher earners. The result is shown as an annual amount and as the per-quarter payment you would actually receive.

A single adult with no children and an adjusted family net income of $20,000 is below the phase-out threshold, so they receive the base single amount of about $533 a year — roughly $133 every quarter. A couple with two children and an income of $50,000 starts from a higher base — around $698 for the couple plus $184 for each child, or about $1,066 — but because $50,000 is above the $45,521 threshold, the credit is reduced by 5% of the excess (about $224), leaving roughly $842 a year.

The GST/HST credit is federal and the same across the country, but several provinces run parallel sales-tax or cost-of-living credits that the CRA frequently pays together with it, such as credits tied to provincial sales taxes or carbon-pricing rebates. These provincial amounts are separate and not included here. The federal credit also interacts with newcomer rules and residency, so recent arrivals may need to apply rather than rely on automatic enrolment. Your province may add to the figure this calculator shows.

• Not filing a tax return. The credit is calculated from your return, so non-filers miss out even with very low income.
• Using gross income rather than adjusted family net income for the phase-out.
• Forgetting it is based on last year's income, so a recent change may not show up until the next benefit year.
• Overlooking the per-child amount, which raises the credit for families.
• Assuming provincial credits are included — they are paid separately and add to the total.

Eligibility is assessed automatically when you file your annual tax return, so filing on time each year — even with no income — is essential to receive the credit. Payments are made quarterly, typically in July, October, January, and April. Newcomers to Canada usually need to complete a specific form to start receiving the credit rather than waiting for automatic enrolment.

• GST/HST credit — how much you can get - Canada Revenue Agency (retrieved 2026-06-09)