Canada’s Goods and Services Tax (GST) Credit continues to be a vital financial relief for many low- to moderate-income households. For the 2026 tax year, Canadians are looking ahead to the GST Credit January 2026 Payment Dates as part of their overall CRA payment and tax refund planning. This update breaks down everything you need to know about the upcoming disbursement, including the exact schedule, eligibility updates, and what it means for your 2026 budgeting.
Table of Contents
When Will the GST Credit Be Paid in January 2026?
The first quarterly installment of the GST Credit for 2026 is scheduled to be issued on January 5, 2026. This CRA payment date falls on the first Monday of the month, continuing the CRA’s tradition of issuing GST payments promptly at the start of each quarter.
This January 2026 payment is the third installment in the 2025–2026 cycle, covering the benefit period that started in July 2025. Here’s a quick look at the full payment schedule for the year:
Payment Period |
GST Credit Payment Date |
|---|---|
July 2025 |
July 4, 2025 |
October 2025 |
October 3, 2025 |
January 2026 |
January 5, 2026 |
April 2026 |
April 3, 2026 |
Who Is Eligible for the GST Credit in 2026?
Eligibility for the GST Credit 2026 is determined by your net income as reported on your 2024 tax return, which was filed in 2025. The Canada Revenue Agency (CRA) automatically calculates your eligibility when your return is assessed. You don’t need to apply separately.
To qualify, you must meet these basic requirements:
- Be at least 19 years old or older (or living with a spouse/common-law partner or parent to a child).
- Be a resident of Canada for income tax purposes.
- Have a family income below the CRA’s established threshold.
The credit amount also depends on your family situation—whether you’re single, married, or have children—and your total net income. The more dependents you claim, the higher your potential credit.
How the CRA Calculates Your GST Credit
The CRA uses your income, marital status, and number of children under 19 to determine your annual GST credit amount. The credit is then divided into four equal quarterly payments. If your total GST credit is less than $50 per quarter, you’ll receive a lump sum instead.
Expect the payment to arrive either through direct deposit—if you’ve signed up through your CRA My Account—or by mailed cheque. Delays in updating your personal details can result in missed or delayed payments, so it’s essential to keep your CRA information current.
Understanding the Tax Refund Schedule in 2026
While the GST Credit is not technically a tax refund, it is part of the broader tax refund schedule many Canadians track. The GST Credit January 2026 date falls just after the start of the new tax filing season, when many individuals also begin receiving tax refunds. Having both refunds and credits around the same time can provide much-needed financial support post-holiday season.
Make sure to file your taxes early to ensure your eligibility is assessed for future CRA payments. The earlier you file, the sooner you’ll receive all entitlements, including GST and any tax refund due.
Conclusion
The GST Credit January 2026 Payment Date is an important financial checkpoint for millions of Canadians. Mark your calendar for January 5, 2026, and make sure your CRA records are accurate and up to date. With inflation and cost-of-living concerns, this GST credit 2026 installment will offer timely assistance to households navigating the new year. Staying informed on CRA payment schedules is key to maximizing your benefits.
FAQ About GST Credit January 2026
When exactly is the GST Credit January 2026 payment being made?
The CRA will issue the GST Credit on January 5, 2026.
What if I don’t receive my GST Credit on the payment date?
If your GST Credit doesn’t arrive by January 12, 2026, contact the CRA to investigate any issues, such as incorrect banking or address details.
How do I check if I’m eligible for the GST Credit in 2026?
Your eligibility is assessed based on your 2024 tax return. You can review your status on the CRA My Account portal.
Is the GST Credit taxable income?
No, GST Credit payments are not taxable and do not need to be reported as income on your tax return.
Can I receive the GST Credit and other benefits at the same time?
Yes, you can receive the GST Credit alongside other federal or provincial benefits such as the Canada Child Benefit or Climate Action Incentive, depending on your eligibility.
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