Rising grocery bills, higher rent, and bigger utility payments — if you’re like many Canadians, 2025 hasn’t exactly been easy on your wallet.
To help soften the blow, the Canada Revenue Agency (CRA) is continuing its Extra GST Payment this year, offering extra cash to low- and moderate-income households hit hardest by inflation.
This one-time, tax-free payment is part of the federal government’s broader plan to support Canadians with modest incomes, especially those struggling to cover everyday expenses.
Here’s a simple, clear breakdown of how it works, who qualifies, how much you could get, and when to expect your payment.
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Overview
The Extra GST Payment is a special financial relief benefit designed to help offset the soaring cost of living, especially for essentials like food, housing, and utilities.
First introduced as a one-time grocery rebate, this payment has evolved into a vital form of support in a tough economic climate.
In April 2025, the federal government also announced a 9% increase to the GST, making this additional payment even more important for lower-income families and individuals.
How It Works
The CRA figures out your payment based on your Adjusted Family Net Income and the number of eligible dependents under 18. If your income goes above a certain limit, your payment gradually decreases.
And the best part? If you’re eligible, you don’t have to apply separately. The CRA uses your most recent tax return (2024) to automatically determine your eligibility and payment amount.
Payment Amounts
Here’s what you could expect to receive in 2025:
| Category | Payment Amount (CAD) |
|---|---|
| Single individual | $496 |
| Married or Common-law couple | $650 |
| Per eligible child under 18 | $171 |
If your net income exceeds $35,000, the credit is reduced by 2% of any amount over that limit. Payment amounts may also differ slightly by province to account for varying living costs.
Eligibility
To receive the 2025 Extra GST Payment, you’ll need to meet these conditions:
- Have filed your 2024 income tax return.
- Be a Canadian resident for tax purposes.
- Have an Adjusted Family Net Income within CRA’s low- to moderate-income brackets.
- Not have any outstanding tax returns or unpaid balances that might disqualify you.
- The number of dependents under 18 and whether you’re single or in a couple also factor into your eligibility.
Worth noting: Certain benefits like the Canada Child Benefit (CCB) and Registered Disability Savings Plans (RDSPs) income won’t affect your Adjusted Family Net Income.
Payment Dates
While dates can shift depending on CRA’s processing times and your bank’s deposit schedule, here’s when you can expect to see the money:
- Extra GST Payment: Around July 5, 2025
- Regular GST/HST payments: October 4, 2025, and January 3, 2026
If you’re signed up for direct deposit, funds typically arrive in your account within a few business days. Paper cheques take a bit longer.
Why It Matters
With inflation still driving up living costs, especially in major Canadian cities, this payment is more than just a helpful bonus. It’s a crucial financial cushion for families, seniors, students, and workers facing rising bills.
It also benefits the economy by keeping consumer spending steady in critical areas like groceries and utilities — helping both households and businesses weather financial uncertainty.
The takeaway? Make sure your tax return is filed, keep your CRA details up to date, and stay tuned for your deposit this summer.
FAQs
What is the Extra GST Payment?
It’s a one-time tax-free payment for low/moderate-income Canadians.
How much is the Extra GST in 2025?
Up to $650 for couples and $496 for singles, plus $171 per child.
When will the Extra GST be paid?
Around July 5, 2025, with regular payments in October and January.
Do I need to apply for the Extra GST?
No. It’s automatic if you’ve filed your 2024 tax return.
Who qualifies for the Extra GST Payment?
Canadians with low to moderate incomes who filed a 2024 return.
