When is the GST payment in January 2026 and who gets it?

The GST credit is paid quarterly, including an installment in January 2026. Eligibility depends on your family net income and filing a tax return. The January payment is the third installment of the 2025–26 benefit year, which runs from July to June. Check your CRA account for your exact amount and schedule.

How much will CPP contributions be in 2026?

For employees, CPP deductions restart in January and continue until the 2026 cap of $4,646.45 is reached. The timing depends on income level and pay frequency. Higher earners will hit the ceiling earlier in the year, then see higher net pay on later cheques once CPP contributions stop for the year.

What is the size of the CPP benefit increase in 2026?

CPP benefits rise 2% in 2026 based on CPI indexation. This aims to protect purchasing power as living costs change. For example, a $1,000 monthly payment would move to about $1,020. Your exact increase depends on your current benefit and eligibility. Always confirm updated amounts in your Service Canada account.

How do these changes affect consumer spending and stocks?

Early-year CPP deductions can slow discretionary purchases, while the GST credit and the 2% boost to CPP benefits support essentials. We expect steady spending on staples and mixed demand for non-essentials until more workers reach the CPP cap. Investors should watch retailer updates, same-store sales, and Bank of Canada signals in Q1 2026.

Global Market Insights

GST January 2026: CPP Hike, Benefit Boosts Explained — December 31

ByHuzaifa Zahoor December 31, 2025December 31, 2025

Searches for gst january 2026 are up as Ottawa confirms indexed benefits and higher payroll deductions. In January 2026, the CPP contribution 2026 cap is set at $4,646.45, while CPP benefits rise 2% with CPI. The GST credit 2026 continues on its quarterly schedule, with the January installment supporting lower-income households. We explain how these shifts affect paycheques, budgets, and consumer demand so investors can position for early-year spending trends and the wider 2026 tax year cycle in Canada.