Millions of Canadians depend on the Goods and Services Tax (GST) Credit to help offset the cost of goods and services taxes they pay throughout the year. As the cost of living continues to rise, the GST Credit remains a crucial lifeline for low- and modest-income individuals and families across the country. With updates to the GST Credit slated for the 2026 benefit year, it’s more important than ever to understand who qualifies, how much you might receive, and when payments will arrive in your account.
The GST Credit is not just a tax rebate—it’s a targeted effort by the federal government to provide meaningful financial relief to Canadians coping with rising inflation and household expenses. With changes in income thresholds and benefit amounts expected for 2026, staying informed can make the difference between missing a payment or receiving your full entitlement. From eligibility rules to payment dates, here’s everything you need to know about Canada’s updated GST Credit program.
GST Credit 2026 Overview at a Glance
| Feature | Details for 2026 |
|---|---|
| Benefit Year | July 2026 – June 2027 |
| Maximum Credit Amount (individual) | $548 annually |
| Maximum Credit Amount (couple) | $720 annually |
| Maximum Additional Credit per Child | $171 annually |
| Income Threshold for Full Credit (single) | Up to approx. $41,000 |
| Payment Dates | July, October, January, April |
What changed this year
The 2026 GST Credit brings several updates to eligibility thresholds and benefit amounts, reflecting inflation adjustments and economic conditions in Canada. These include a modest increase in the base amount for singles and families, as well as an inflation-indexed adjustment for the per-child amount. These changes aim to ensure the GST Credit continues to help those who are most vulnerable to rising costs.
Eligibility criteria remained largely consistent, but the income thresholds for receiving partial amounts have also increased slightly. This adjustment means more middle-income Canadians may qualify for at least a reduced payment in 2026 compared to previous years.
Who qualifies and why it matters
The GST Credit is designed for low- to moderate-income Canadians, and eligibility depends primarily on net income and family situation. To be eligible for the 2026 benefit year, you must:
- Be at least 19 years old
- Be a resident of Canada for tax purposes
- Have filed your income tax return for the previous year (2025)
- Live with a spouse/common-law partner or have children under your care (for family credits)
Even if you had no income in 2025, you should still file a return. Failing to do so can disqualify you from receiving the GST Credit and other related benefits.
Filing your taxes is the single most important step to ensure you receive what’s owed to you—including the GST Credit.
— Jennifer Wong, Senior Tax Advisor
How much will you get in 2026
Your GST Credit amount for 2026 will depend on your family type, net income, and number of dependent children. The government calculates your entitlement based on the income reported on your 2025 tax return.
- Single individual: Up to $548 if your income is below approx. $41,000
- Married or common-law couple: Up to $720 combined, scaled down after a certain income level
- Per child under 19: An additional $171 per child
If your income exceeds determined thresholds, your credit will be gradually reduced until it phases out completely. The precise cutoff varies depending on how many children you have and whether you’re single or part of a couple.
When payments arrive in your account
The GST Credit is paid quarterly, meaning recipients can expect four payments throughout the benefit year, typically near the start of each quarter. For the 2026-2027 cycle, payments are scheduled as follows:
- July 5, 2026
- October 4, 2026
- January 3, 2027
- April 4, 2027
Payments are generally made via direct deposit, though paper cheques are still used if banking information hasn’t been submitted to the Canada Revenue Agency (CRA). To avoid delays, ensure your CRA account is up to date.
How to apply step-by-step
One of the benefits of the GST Credit program is that you don’t need to apply separately. Filing your annual tax return automatically applies you for the GST Credit if you’re eligible.
Here’s how to ensure you’ll be considered:
- File your taxes for the 2025 tax year — even if you made no income.
- Ensure your marital status, child dependents, and direct deposit details are up to date with CRA.
- If you’re new to Canada, you may need to complete a separate application (Form RC151).
Many people miss out on credits simply because they don’t think they qualify. File your return—it’s worth it.
— Mohammed Patel, Financial Literacy Coach
GST Credit 2026: Who benefits most
| Winners | Losers |
|---|---|
| Low-income families with children | High-income earners exceeding the thresholds |
| Senior citizens living on fixed incomes | Non-residents who haven’t filed taxes |
| Newcomers with dependents | Individuals with unreported income or late filings |
Combined credits for bigger impact
The GST Credit is often bundled with other federal and provincial tax benefits, such as the Canada Child Benefit (CCB), Old Age Security (OAS), and provincial sales tax credits depending on where you live. Eligibility and application requirements may overlap, which makes tax filing even more critical.
Recipients should review their Notice of Assessment from the CRA to see a breakdown of GST Credit amounts and related benefit entitlements. You may also choose to update your information at any time during the year if your family situation changes.
Short FAQs on GST Credit 2026
When is the next GST Credit payment in 2026?
The first GST Credit payment for the 2026 benefit year is scheduled for July 5, 2026.
How do I check if I’m eligible for the GST Credit?
Eligibility is determined by your 2025 tax return. If your net income falls within the threshold and you meet residency and age requirements, you’ll automatically be assessed.
Is the GST Credit taxable income?
No, the GST Credit is a non-taxable benefit. It does not need to be reported as income on your tax return.
Can newcomers to Canada apply?
Yes, newcomers may apply for the GST Credit by submitting Form RC151 along with proof of entry and their tax return.
What if my income rises mid-year?
GST Credit calculations are based on the previous year’s income. Mid-year income changes won’t affect the current year’s payments, but may impact future benefits.
What happens if I miss my payment?
If your payment is delayed or missing, contact the CRA to verify your direct deposit information and filing status. Most issues can be resolved quickly once corrected.