Important Update: There is a one-time COVID-19 Supplemental Increase for the GST/HST credit in 2020. For more details, see the section below: How Much GST/HST Credit Will I Receive?
Depending on which province you live in, you are charged either the Goods and Service Tax (GST) or the Harmonized Sales Tax (HST) on most purchases you make.
If you are earning below a certain income, you might qualify for a GST or HST credit.
11.9 million Canadian households will qualify for the GST/HST credit in 2020
GST/HST Payment Dates in Canada (2020)
Normally, you will receive payments quarterly if you qualify for the GST/HST credit. Due to the emergency aid that the Canadian government is giving, there will be an extra one-time payment on April 9:
- January 3, 2020
- April 3, 2020
- April 9, 2020 (COVID-19 GST/HST addition, see next section for details)
- July 3, 2020
- October 5, 2020
- January 5, 2021
- Sometimes the Canada Revenue Agency (CRA) is slow with the payments. Wait 10 business days before contacting them.
- You can check the status of your GST/HST credit online by logging into your myCRA account.
- I recommend setting up a direct deposit to your bank, which can also be done in your myCRA account. That way there’s no way you can miss any cheques in the mail if you change addresses.
How Much GST/HST Credit Will I Receive?
Your GST/HST credit payments will vary based on two factors:
- Your family (or single) net income
- The number of children under 19 years old that you have registered for both the Canada child benefit and the GST/HST credit
Max payment you can receive
- Single person: $443/year
- Married or common-law: $580/year total for both
- Child under 19: $153/year for each child
- First child under 19 for single parent: $290/year
The payments are paid out according to a July-June calendar and based on your previous year’s income.
July 2020’s payment will be the start of a new calendar year for GST payments, and it will be based on your 2018 tax returns.
The one-time supplementary payment will double the amount you normally would have received, as a one-time payment on April 9, 2020. (See next section for more details)
Jordan is single. In 2018, he earned $20,000 net income. For the 2019-2020 benefit year, Jordan received an annual base credit amount of $443 based off his 2018 net income (This is how much he would receive in a normal year).
His GST/HST credit entitlement of $443 is given in four quarterly payments of $110.75. His one-time supplementary payment will be also be $443 and given all at once on April 9, 2020.
Be aware that if you don’t file your taxes, you won’t receive your GST/HST credit.
Income Where You Stop Receiving Any GST/HST Credit Payments:
|Family structure||Adjusted family net income|
|A single parent with one child||$52,449|
|A single parent with two children||$55,509|
|A single parent with three children||$58,569|
|A single parent with four children||$61,629|
|Married/common-law couple with no children||$49,389|
|Married/common-law couple with one child||$52,449|
|Married/common-law couple with two children||$55,509|
|Married/common-law couple with three children||$58,569|
|Married/common-law couple with four children||$61,629|
For More Accurate Estimates of Your GST/HST Credit
Use these two resources:
- Full table for how much GST/HST credit you will receive by salary: Link
- Calculator on CRA website: Link
Things That Can Change Your GST/HST Credit Amount
Your GST/HST credit payments could be affected if:
- Your family net income changes
- Your eligible child turns 19 years old
- The number of eligible children in your care changes
- You get married, divorced, or separate from your common-law partner.
- There is a death of a recipient
- You start or stop sharing custody of a child with your partner
One-Time 2020 Supplemental GST/HST Credit
Due to the emergency situation and job losses many Canadians find themselves in due to COVID-19, there will be a supplemental GST/HST Credit given on April 9, 2020.
If you lost your job or income during the COVID-19 crisis, you might qualify for the $2,000/month Canada Emergency Response Benefit (CERB). Read more about CERB here.
You are eligible for the supplemental credit if:
- You normally receive the GST/HST credit and have filed a 2018 tax return
- Your family net income is below the maximum threshold for receiving GST/HST credit
- You filed your 2018 tax return
- If you aren’t eligible, check to see if you qualify for the Canada Emergency Response benefit
How much you will receive
It’s a simple calculation, and will double your normal GST/HST credit. The maximums are now changed to:
- Single person: $443/year will double to $886/year
- Married or common-law: $580/year total for both will double to $1,160/year
- Child under 19: $153/year for each child will double to $306/year
- First child under 19 for single parent: $290/year will doubles to $580/year
Do You Qualify For the GST/HST Credit Payment?
You are generally eligible for the GST/HST credit if you are a Canadian resident for income tax purposes. To qualify you also need to meet any one of the following criteria:
- 19 years old or older
- Have (or had) a spouse or common-law partner
- Are (or were) a parent and live (lived) with your child
Shared custody of a child
Parents with shared custody may be eligible for half each of the GST/HST credit payment for each child.
If a child welfare agency is responsible for the child, you are generally not eligible for the credit anymore for that particular child.
Learn more at the CRA website here.
How to Apply for the GST/HST Credit
For most people, all you have to do is file your taxes every year to get your GST/HST credit. There are some special circumstances though outlined here:
New Residents of Canada
To get the GST/HST credit, you have to do the following:
New resident with children: Fill out the Canada Child Benefits Application Form RC66
New resident with no children: Fill out the GST/HST Credit application for Individuals Who Become Residents of Canada Form.
Mail the signed forms to your provincial tax center: List is found here
Getting the GST/HST Credit For Your Child
If you didn’t apply for the Canada Child Benefit (CCB) or have another child that you are caring for, you might need to manually register the child in order to get the GST/HST credit for them. Register the child using your myCRA online account, or call the CRA for more details.
Is the GST/HST credit taxable income?
No, it is not.
When will the GST credit be deposited?
Every three months, during the first week of January, April, July, and October.
What happens to my GST/HST credit if I move?
Let the CRA know your new address right away. Even if you have signed up for direct deposit, you still might not get your credit if you don’t let them know of your new address.
What are the Ontario GST dates?
Every province including Ontario will have the same dates that the GST/HST credit is deposited. The credit is issued at a federal level, not provincial.
Why are there so many names for the GST/HST credit payment date? It gets confusing.
The GST/HST credit is commonly called many things by Canadians. It can go by GST cheque dates, GST rebate dates, Canada GST Dates, GST check dates, GST return dates, GST refund dates, and GST Pay Dates. Just know that they are all referring to the same thing, the GST/HST credit payment outlined in this article.
CRA Contact for GST/HST Questions
The two main ways you can contact the CRA for your GST/HST questions are:
- Online using your myCRA account
- By phone at 1-800-387-1193
The GST/HST credit is important for many Canadian families and can provide much-needed relief during tough times.
Make sure you are getting the proper amount and filing your taxes so you can receive it.
I hope this article has helped you learn more about the GST/HST credit. If you’d like to learn other ways to manage your money as a Canadian, check out this TFSA vs RRSP article.