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Pick where you live. You will see what is available there, plus everything province-wide and Canada-wide that applies to you.

40 offers

First-time homebuyer GST rebate - up to $50,000

$50,000

Canada Revenue Agency

Rebate of up to $50,000 of federal GST for eligible first-time buyers of a newly built or substantially renovated primary residence. Full below $1 million, phased out between $1 million and $1.5 million, gone at $1.5 million.

The catch: Timing rules attach to when the purchase agreement was signed and when the home completes, so this has to be checked BEFORE signing rather than at tax time. The phase-out band is steep.

about 120 minOne time

Canada Child Benefit

$8,157

Canada Revenue Agency

Tax-free monthly payment to a maximum of $8,157 per child under six and $6,883 per child aged six through 17 for the July 2026-June 2027 year. Reduced as adjusted family net income rises.

The catch: The child has to be registered and BOTH partners have to keep their returns current - a single unfiled return from a spouse stops the payment for the whole household.

about 30 minStanding

Canada Learning Bond - up to $2,000 per child

$2,000

Employment and Social Development Canada

$500 for the first eligible year and $100 for each following year to age 15, up to $2,000, paid into an RESP. No contribution of your own is required at any point. You can still claim the whole accumulated amount up to the day before the beneficiary turns 21.

The catch: The money goes into an RESP and can only be spent on post-secondary education - it is not cash you can use this month. The child must have been born after 2003.

about 25 minStanding

Canada Disability Savings Grant - up to $3,500 a year

$3,500

Employment and Social Development Canada

Matches RDSP contributions at rates up to 300%, to as much as $3,500 in a year. Unused grant entitlement from up to ten previous eligible years can be carried forward and caught up.

The catch: This is matched money, not free money - the top rate only applies to the first slice of contribution, so the $3,500 needs your own deposit behind it. Payable only to the end of the year the beneficiary turns 49, same as the bond.

Subsidizedabout 60 minAnnual

Alaska Permanent Fund Dividend

$1,000

Alaska Department of Revenue, Permanent Fund Dividend Division

An annual cash payment to Alaska residents from the state's resource royalty fund. It is not income-tested and not needs-based: residency and a filed application are the whole test, which makes it the broadest single cash entitlement in this catalog.

The catch: The amount for the current year is not announced when the application window opens, so you apply without knowing what you are applying for - the page carried only the 2025 figure when it was read. The application window is fixed and short, and missing it forfeits the year entirely: there is no late filing and no retroactive claim. Residency rules are stricter than they look, and time spent outside Alaska has to be accounted for.

about 20 minAnnual

Canada Disability Benefit - up to $204.20 a month

$2,450

Employment and Social Development Canada

Income-tested monthly payment for DTC-approved people aged 18 to 64, to a maximum of $204.20 a month for July 2026-June 2027. Back payments can cover up to 24 months from the application date. A $150 supplemental payment toward the cost of DTC medical certification is reported to start September 2026.

The catch: Back pay stops at June 2025 no matter how far back the disability goes. You must have filed, and so must your spouse or partner where you have one - their unfiled return blocks your payment.

about 60 minStanding

Canada Disability Savings Bond - up to $1,000 a year

$1,000

Employment and Social Development Canada

Up to $1,000 a year into a Registered Disability Savings Plan, to a lifetime maximum of $20,000, with no contribution of your own required. Separate from the Canada Disability Savings Grant, which does match contributions.

The catch: Two gates in front of it: you need Disability Tax Credit approval, and then an RDSP. Payments stop at the end of the year the beneficiary turns 49, and the money is locked in the plan rather than spendable now.

about 60 minStanding

Alaska Senior Benefits Program

$250

Alaska Department of Health

A monthly cash payment to lower-income Alaskans aged 65 and over. Verbatim: "Cash payments are $125, $175, or $250 each month depending on other income."

The catch: Which of the three payment levels you land on is decided by other income against the Alaska Federal Poverty Guidelines, and those guidelines change every year - so the band you qualified for last year is not the band you qualify for this year, and the change happens without anyone asking you. It is a payment for seniors already in Alaska: residency and age are hard gates.

about 30 minStanding

Alberta Energy Rebate - $100

$100

Government of Alberta

A one-time $100 payment to Alberta adults who filed a 2025 return and had household income of $225,000 or less. Recipients of the Alberta Seniors Benefit, AISH, ADAP and Income Support are enrolled automatically and need to do nothing.

The catch: Applications close 30 September 2026. You need a verified Alberta.ca Account, your SIN and your spouse's details, and a filed 2025 return - the return is the part that takes time if you have not done it.

about 15 minabout 14 daysOne time

Manitoba Electric Vehicle Rebate

$4,000

Manitoba Department of Finance

A provincial rebate on the purchase or lease of a new or pre-owned electric vehicle.

The catch: Funding-dependent, and that is the whole risk: the rebate exists until the allocation is spent, and a vehicle ordered against an expected rebate is not a vehicle that will definitely receive one. It also requires the purchase first, so this is not free money - it reduces a large spend the buyer has already committed to.

Free after rebateStanding

Child Disability Benefit

$3,480

Canada Revenue Agency

Up to $3,480 per qualifying child for the 2026-27 benefit year, paid as a supplement on top of the Canada Child Benefit. No separate application - it starts once the child is DTC-approved and CCB is in place.

The catch: Entirely gated on Disability Tax Credit approval for the child, which is the slow part. Once approved it is automatic, so the whole effort sits in the T2201.

Standing

Newfoundland and Labrador Seniors' Benefit

$1,882

Canada Revenue Agency

A tax-free annual amount for low-income seniors, paid quarterly with the Canada Groceries and Essentials Benefit. Verbatim from CRA: "a tax-free annual amount of $1,882" where adjusted family net income is $30,409 or less.

The catch: It is a household test, not an individual one: a couple including at least one senior is assessed on combined income, so a senior with a working spouse can be reduced to nothing. Part of the amount is still paid between $30,409 and $46,549. Filing is the only trigger - there is no application and no notification that it was missed.

Standingno documents needed

Saskatchewan Low-Income Tax Credit

$1,282

Canada Revenue Agency

A tax-free quarterly amount for low- and modest-income residents, paid with the Canada Groceries and Essentials Benefit. Verbatim from CRA, for July 2026 to June 2027: "$460 for an individual, $460 for a spouse or common-law partner (or for an eligible dependant), and $181 per child (maximum of two children), or an annual credit of up to $1,282 per family."

The catch: The child amount stops at two children, so a family of five draws the same as a family of four - an unusual cap and the detail most likely to be summarised wrongly elsewhere. Reduction starts at an adjusted family net income of $39,345 and finishes by $81,668. No application exists; a filed return is the only route.

Standingno documents needed

Canada Groceries and Essentials Benefit

$679

Canada Revenue Agency

The renamed and enhanced GST/HST credit. For the July 2026-June 2027 benefit year, roughly $679 for a single person, $890 for a couple, and $234 per child under 19. Tax-free, paid quarterly, no application.

The catch: There is nothing to apply for and that is exactly why people miss it: it is calculated from the return, so not filing is the only way to lose it.

Standingno documents needed

Newfoundland and Labrador Income Supplement

$520

Canada Revenue Agency

A tax-free quarterly amount for low-income individuals, families, seniors and people with disabilities. Verbatim from CRA: "$520 if you are a single individual", "$589 if you have a spouse or common-law partner", "$231 per child under 19 years of age", and a further "$231 if you are eligible for the DTC."

The catch: The DTC top-up is claimable for the filer and separately for a spouse, which is the part most readers miss - two DTC-approved adults in one household draw two $231 amounts. Everything here is automatic after filing and invisible before it.

Standingno documents needed

Ontario Sales Tax Credit

$378

Canada Revenue Agency

A tax-free amount paid monthly as part of the Ontario Trillium Benefit to offset sales tax. Verbatim from CRA, for payments based on the 2025 return covering July 2026 to June 2027: "a maximum annual credit of $378 for each adult and each child in a family."

The catch: The Trillium Benefit it is paid inside bundles three separate credits, so the deposit will not match this figure and a reader checking one number against their bank statement will conclude something is wrong. Reduction starts at an adjusted net income of $29,047 for a single person with no children. There is a choice buried in the return: an annual entitlement over $500 can be taken as a single payment in June 2027 instead of monthly, and that election is made a year in advance on the prior return.

Standingno documents needed

Island Essentials Benefit (formerly the PEI Sales Tax Credit)

$365

Canada Revenue Agency

A tax-free amount paid quarterly with the federal Canada Groceries and Essentials Benefit to offset sales tax for low and modest income households. Verbatim: "an annual credit of up to $310 for an individual or up to $365 for couples and single parents."

The catch: The name changes in November 2026 and the terms change with it. Verbatim from CRA: "Starting in November 2026, the Prince Edward Island tax credit will be renamed the Prince Edward Island essentials benefit (PEIEB) [...] A new minimum payment amount of $175 will also be introduced, ensuring that all Prince Edward Island residents who qualify can receive the benefit, regardless of income." Until then the old name is what appears on a notice of assessment. Like the child benefit it is filing-gated and invisible: no application exists, and a year without a return is a year without payment.

Standingno documents needed

New Brunswick Property Tax Allowance

$300

New Brunswick Department of Social Development

A reduction of the provincial property tax bill on an owner-occupied principal residence for low-income households.

The catch: It is applied against the tax bill rather than paid out, so it is worth nothing to a renter and nothing beyond the tax owed. The allowance is claimed per year and can be claimed for a limited number of eligible years, so a household that qualified for several years and never claimed cannot recover all of them.

SubsidizedAnnual

New Brunswick Harmonized Sales Tax Credit

$300

Canada Revenue Agency

A tax-free amount paid quarterly with the federal benefit. Verbatim from CRA: "a maximum annual amount of $300 for an individual, $300 for a spouse or common-law partner, and $100 per child under 19 years of age ($300 for the first child in a single parent family)."

The catch: A single parent draws $300 rather than $100 for their first child, which is a real and frequently missed uplift. The credit is reduced by 2% of adjusted family net income over $35,000. Automatic after filing and unavailable without it.

Standingno documents needed

Newfoundland and Labrador Child Benefit

$193

Canada Revenue Agency

A tax-free monthly amount paid with the Canada Child Benefit. Verbatim from CRA: "$157.33 per month for the first child", "$166.83 per month for the second child", "$179.16 per month for the third child" and "$192.50 per month for each additional child." A Pre-Natal Infant Nutrition Supplement of $150 a month per child under five is paid on the same footing.

The catch: The per-child amount goes up with each additional child rather than down, which is the opposite of most child benefits and is worth checking against any third-party summary that says otherwise. Reduction begins at an adjusted family net income of $20,397 - a low threshold, so a modest raise moves the amount. Nothing is applied for and nothing arrives without a filed return.

Standingno documents needed

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