🛂 Benefits

GST/HST credit (CGEB) calculator

Choose your marital status, the number of children under 19 and your adjusted family net income. You get the yearly amount and each quarterly payment.

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Estimated yearly benefit—
    Working with a different rate? Edit the rates this calculator uses

    These are the figures we verified on 2026-10-23. Change them to work with a historic period, or with a new rate that has been announced but which we have not published yet.

    An estimate from the CRA's published chart. Your notice is the final amount.The CRA calls its payments chart a guideline. This calculator uses a formula that reproduces every row of that chart, but the CRA works out your actual entitlement from your tax return, and it sends you a notice only if you are entitled. It does not check eligibility, shared custody or changes in your situation. This is general information, not tax advice.

    How much is the GST/HST credit now?

    The GST/HST credit is now the Canada Groceries and Essentials Benefit. For July 2026 to June 2027 it is up to $679 for a single person, $890 for a couple and $234 for each child under 19, reduced by 5% of adjusted family net income above $46,432. A couple with two children and $60,000 of income gets $679.60 a year.

    Why we built this calculator

    From July 2026 the GST/HST credit is called the Canada Groceries and Essentials Benefit, but most people still search for it by its old name, and old calculators still show the old amounts. This one uses the CRA's chart for July 2026 to June 2027, which is based on your 2025 tax return.

    The amount depends on three things: whether you are single or a couple, how many children under 19 you have, and your adjusted family net income. The payment is not taxable. To see the rest of your finances, use the Canada Child Benefit calculator and the income tax calculator.

    It runs in your browser. Nothing you enter is sent anywhere, and there is no sign-up.

    When to use it

    • Estimating what to expect from the quarterly payments
    • Seeing how a change in income moves the amount
    • Checking the notice the CRA sends you
    • Planning a budget for a family with children

    Mistakes it helps you avoid

    • Using last year's amounts. They are recalculated every July from the previous year's return.
    • Forgetting that a single parent is on the single chart but gets the child amounts.
    • Using your own income instead of your adjusted family net income.
    • Reporting the payments as income. The CRA says they are not taxable.

    How the benefit is worked out

    A base amount for your situation, reduced by 5% of income above $46,432.

    • base amount (couple, or anyone with children) = $890 + $234 × children
    • base amount (single, no children) = the smaller of $679 and
    • $445 + 2% × (income − $11,564)
    • reduction = 5% × (adjusted family net income − $46,432), not less than zero
    • yearly benefit = base amount − reduction, not less than zero
    • each quarterly payment = yearly benefit ÷ 4

    The CRA publishes a chart for July 2026 to June 2027 (2025 base year), updated June 8, 2026, and describes the amounts as a guideline. The formula above is not quoted from the CRA: we derived it from the chart, and it reproduces every row for single and married recipients with 0 to 4 or more children. The how-much page gives the headline maximums of $679, $890 and $234 per child, and the chart shows a first child adds $234 to the couple amount whether you are single or not. Payments are made in four instalments in July, October, January and April.

    Worked example: couple, 2 children, $60,000 family income

    You are married with two children under 19 and an adjusted family net income of $60,000 for 2025.

    1. Base amount: $890 + 2 × $234$1,358.00
    2. Income above $46,432: $60,000 − $46,432$13,568
    3. Reduction at 5%$678.40
    4. Yearly benefit$679.60
    5. Each quarterly payment$169.90

    The estimated benefit is $679.60 a year, or $169.90 each quarter. The CRA chart shows $679.60 for this case.

    A single person with no children at the same income gets $0.60, because their base amount is smaller.

    Terms on this page

    Adjusted family net income
    Family net income (line 23600 for you and your spouse or partner) less any UCCB and RDSP income received, plus any UCCB and RDSP amounts repaid.
    Base year
    The tax year whose return sets the amount; 2025 for July 2026 to June 2027.

    What has changed, and when

    Rates on this page have not always been what they are today. If you are working on an earlier period, use the figure that applied at the time rather than the current one.

    1. July 2026 The GST/HST credit became the Canada Groceries and Essentials Benefit; chart for July 2026 to June 2027 (2025 base year).

    Common questions

    Is the GST/HST credit the same as the Canada Groceries and Essentials Benefit?

    Yes. From July 2026 the GST/HST credit is the Canada Groceries and Essentials Benefit, paid by the CRA.

    How much can I get from July 2026 to June 2027?

    Up to $679 if you are single, $890 for a married or common-law couple, and $234 for each eligible child under 19.

    At what income does the benefit start to be reduced?

    In the CRA's chart the reduction begins at an adjusted family net income of $46,432, at 5% of each dollar above it.

    When are the payments made?

    In four quarterly instalments, in July 2026, October 2026, January 2027 and April 2027 for the 2025 base year.

    Is it taxable?

    No. The CRA says the payments are not taxable and you do not report them on your tax return.

    What to work out next

    Where these numbers come from

    Last verified 2026-10-23 Rates on this page are checked against the sources above at least once a year, and whenever the governing authority announces a change. Spotted something out of date? Tell us and we will fix it.

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