Last Updated On 21 June 2025, 9:32 AM EDT (Toronto Time). CRA Benefit Payments Increase 2025: As July 2025 approaches, Canadians across the country are gearing up for a financial boost from the Canada Revenue Agency (CRA).. With the cost of living continuing to challenge household budgets—think soaring rent, grocery bills, and utility costs—the CRA is set to roll out five key benefit payments with increased amounts starting in July.. These payments are not just numbers in your bank account; they’re lifelines designed to support families, seniors, low-income workers, and even newcomers and temporary residents navigating life in Canada.. This comprehensive guide dives into the details of these five CRA benefits: the GST/HST Credit, Advanced Canada Workers Benefit (ACWB), Canada Child Benefit (CCB), Ontario Trillium Benefit (OTB), and Canada Pension Plan (CPP) paired with Old Age Security (OAS).. We’ll cover what each benefit is, who’s eligible (including temporary residents and newcomers), the updated payment amounts with July’s increases, how to apply, and the upcoming payment dates for 2025 and early 2026.. Plus, we’ll touch on the new Canada Disability Benefit launching this July, a game-changer for low-income Canadians with disabilities.. Whether you’re a parent in Toronto, a retiree in Niagara, or a newcomer settling in Vancouver, these payments can ease financial pressures and empower you to thrive in 2025.. Let’s break it down!. CRA Benefit Payments Increase 2025. What is the GST/HST Credit?. The GST/HST Credit is a tax-free quarterly payment designed to help low- and moderate-income Canadians offset the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) they pay on everyday purchases.. From groceries to gas, these taxes—5% GST nationwide or up to 13% HST in provinces like Ontario—add up quickly.. The CRA delivers this credit to ensure these taxes don’t erode financial stability for those with modest incomes.. Eligibility for the GST/HST Credit. To qualify for the GST/HST Credit in 2025, you must meet the following criteria:. Residency: Be a Canadian resident for tax purposes in the month before and at the start of the payment month.. Age: Be 19 or older. If under 19, you must have a spouse or common-law partner or be a parent living with your child.. Income: Your adjusted family net income (AFNI) must fall below specific thresholds, which vary based on family size and structure (more on this below).. Tax Filing: You must file your annual income tax return, even if you have no income to report.. Temporary Residents and Newcomers: Good news! Temporary residents, such as international students or work permit holders, are eligible if they’ve lived in Canada for at least 18 consecutive months with a valid permit in the 19th month.. Newcomers can qualify as soon as they land in Canada.. For example, a student arriving in Canada in January 2024 could be eligible by July 2025 if they maintain a valid permit and file taxes.. GST Payment Amounts and July 2025 Increase. For the 2025–2026 benefit year (July 2025 to June 2026), the GST/HST Credit is getting a 2.7% boost to keep pace with inflation, as announced by the CRA.. Here’s what you can expect:. Single Individuals: Up to $533 annually ($133.25 per quarter).. Married or Common-Law Couples: Up to $698 annually ($174.50 per quarter).. Per Child Under 19: An additional $184 annually ($46 per quarter).. The income threshold for eligibility is also rising slightly. Payments begin to phase out when your AFNI exceeds $45,521 for singles or higher for families, ensuring more Canadians qualify due to inflation-adjusted wages.. For example, a single parent in Ottawa with two children under 19 could receive $901 annually ($225.25 quarterly), a significant jump from the previous year’s $877.. How to Apply For GST Payment?. No separate application is needed! The CRA automatically assesses your eligibility when you file your annual income tax and benefit return. To ensure you receive the July 2025 payment:. File Your 2024 Taxes: Submit by April 30, 2025, to avoid delays. Even if you have zero income, filing is mandatory.. Update Your CRA My Account: Report changes in address, marital status, or dependents to ensure accurate calculations.. Set Up Direct Deposit: Sign up via CRA My Account or complete the Canada Direct Deposit Enrolment Form for faster, secure payments.. Newcomers should gather their Social Insurance Number (SIN), proof of residency (e.g., utility bills or rental agreements), and income details before filing.. GST Payment Dates 2025-2026. The GST/HST Credit is issued quarterly on the 5th of July, October, January, and April (adjusted for weekends or holidays). For 2025–2026:. July 4, 2025. October 3, 2025. January 5, 2026. April 3, 2026. Mark these dates to plan your budget! A $133.25 quarterly payment might cover a week’s groceries or a utility bill, offering timely relief.. What Is the Advanced Canada Workers Benefit?. The Advanced Canada Workers Benefit (ACWB) is a refundable tax credit designed to support low-income workers and families, encouraging workforce participation while easing financial strain.. Unlike the regular Canada Workers Benefit (CWB), the ACWB delivers up to 50% of the credit in three advance payments annually, providing cash flow throughout the year rather than a lump sum at tax time.. Eligibility for the ACWB. To qualify for the ACWB in 2025, you must:. Residency: Be a Canadian resident for tax purposes.. Age: Be 19 or older by December 31, 2024, or have a spouse, common-law partner, or dependent child.. Income: Have a working income (e.g., employment or self-employment) above $3,000 but below the net income threshold:. Singles: $33,015 (basic amount) or $37,932 (with disability supplement).. Families: $43,212 (basic amount) or $48,124–$53,037 (with disability supplement, depending on spouse eligibility).. Tax Filing: Must have filed your income tax return to be assessed automatically.. Temporary Residents and Newcomers: Temporary residents, including work permit holders, qualify after 18 months in Canada with a valid permit in the 19th month.. Newcomers must have filed taxes to establish eligibility, even if their income is low.. For example, a temporary worker in Alberta who arrived in January 2024 and files taxes could receive ACWB payments starting in July 2025.. ACWB Payment Amounts and July 2025 Increase. The ACWB is seeing a 2.7% increase for the 2025–2026 benefit year, reflecting inflation adjustments.. Maximum annual amounts are:. Single Individuals: Up to $1,428 (basic amount) or $2,165 (with disability supplement).. Families: Up to $2,461 (basic amount) or $3,198 (with disability supplement).. Advance payments cover up to 50% of the credit, split into three installments. For 2025, a single worker could receive up to $714 annually in advance ($238 per payment), while a family might get $1,230.50 ($410.17 per payment).. The exact amount depends on your income, province, and family status.. For instance, a low-income couple in Ontario with no children could see $1,230.50 annually, a boost from 2024’s $1,198.. How to Apply For ACWB?. The ACWB is automatically assessed when you file your taxes, but you must indicate your intent to claim the CWB on your return:. Must have filed taxes: You must have completed Schedule 6 (Canada Workers Benefit) with your tax return.. Verify Eligibility: Use the CRA’s online calculator to estimate your payment based on income and family status.. Set Up Direct Deposit: Ensure payments arrive quickly via CRA My Account.. Newcomers should ensure their SIN and tax residency status are up to date. If you’re unsure about eligibility, contact the CRA at 1-800-959-8281.. ACWB Payment Dates 2025. The ACWB is paid three times a year, typically on the 5th of July, October, and January (adjusted for holidays). For 2025–2026:. July 11, 2025. October 10, 2025. January 9, 2026. These payments can help cover essentials like rent or transportation, making them a vital support for low-income workers.. What Is the Canada Child Benefit?. The Canada Child Benefit (CCB) is a tax-free monthly payment aimed at helping families with the costs of raising children under 18.. Administered by the CRA, the CCB is a cornerstone of Canada’s efforts to reduce child poverty, covering expenses like childcare, education, and extracurricular activities.. It also includes a disability supplement for eligible children.. Eligibility for the CCB. To qualify for the CCB in 2025, you must:. Residency: Be a Canadian resident for tax purposes and live with the child.. Caregiver Status: Be the primary caregiver of a child under 18.. Income: Payments are income-tested, with higher amounts for lower-income families.. Tax Filing: Both you and your spouse/common-law partner must file annual tax returns.. Temporary Residents and Newcomers: Temporary residents, such as refugee claimants or work permit holders, qualify after 18 months in Canada with a valid permit in the 19th month.. Newcomers can apply as soon as they land in Canada. For example, a family arriving in Canada as permanent residents can apply to begin their CCB payments.. Canada Child Benefit Payment Amounts and July 2025 Increase. For the 2025–2026 benefit year, the CCB is increasing by 2.7% to align with inflation.. Maximum annual amounts are:. Children Under 6: Up to $7,997 per child ($666.41 monthly).. Children Aged 6–17: Up to $6,748 per child ($562.33 monthly).. Child Disability Benefit: Up to $3,265 per eligible child ($272.08 monthly).. Payments phase out as AFNI exceeds $37,487, with reductions varying by family size.. For instance, a single parent in Toronto with two children (ages 4 and 8) and an AFNI under $37,487 could receive $1,228.74 monthly ($666.41 + $562.33), a $32.41 increase per child from 2024’s $7,787 and $6,570, respectively.. How to Apply for CCB?. New applicants, including newcomers, must apply for the CCB:. Complete Form RC66: Submit the Canada Child Benefit Application via CRA My Account or mail it to your local tax centre.. Provide Documentation: Include proof of residency, SIN, and your child’s birth certificate or passport.. File Taxes Annually: Both parents must file to maintain eligibility.. Set up direct deposit to receive payments faster. If you’re already receiving CCB, ensure your family details (e.g., number of children, marital status) are updated in CRA My Account.. Canada Child Benefit Payment Dates 2025. The CCB is paid monthly, typically on the 20th (adjusted for weekends/holidays). For 2025–2026:. July 18, 2025. August 20, 2025. September 19, 2025. October 20, 2025. November 20, 2025. December 12, 2025. January 20, 2026. These predictable payments help families budget for back-to-school costs, childcare, or summer activities.. What Is the Ontario Trillium Benefit?. The Ontario Trillium Benefit (OTB) is a tax-free payment combining three credits to help low- to moderate-income Ontario residents cover sales taxes, energy costs, and property taxes:. Ontario Sales Tax Credit (OSTC): Offsets the 13% HST on purchases.. Ontario Energy and Property Tax Credit (OEPTC): Subsidizes utilities and property taxes.. Northern Ontario Energy Credit (NOEC): Supports residents north of Parry Sound with higher energy costs.. Administered by the CRA, the OTB is a lifeline for renters, homeowners, and seniors in Ontario facing rising living costs.. Eligibility for the OTB. To qualify for the 2025 Ontario Trillium Benefit payment, you must:. Residency: Be an Ontario resident on December 31, 2024, and meet one of the following by June 1, 2026:. Be 19 or older.. Have a spouse or common-law partner.. Be a parent living with your child.. Own/rent a home, live on a reserve, or reside in a public long-term care home.. Income: Payments are income-tested, with amounts varying by family size and AFNI.. Tax Filing: File your 2024 income tax return and complete Form ON-BEN (included in the tax package).. Temporary Residents and Newcomers: Temporary residents qualify after 18 months in Canada with a valid permit in the 19th month.. Newcomers must file taxes and provide proof of Ontario residency (e.g., utility bills or lease agreements).. For example, an international student in Toronto who arrived in January 2024 could claim the OTB by July 2025 if they file taxes.. OTB Payment Amounts and July 2025 Increase. The OTB is increasing by 2.7% for the 2025–2026 benefit year. Maximum annual amounts are:. OSTC: Up to $371 per adult or child.. OEPTC: Up to $1,282 (non-seniors) or $1,459 (seniors).. NOEC: Up to $185 (singles) or $284 (families) for Northern Ontario residents.. Total maximum payments can reach $1,038 monthly ($12,456 annually) for a family, though most receive $84–$100 monthly based on income and location.. For example, a couple in Sudbury with one child could receive $840 annually ($70 monthly), while a senior in Windsor might get $1,459 annually.. If your entitlement is $360 or less, you’ll receive a lump sum in July.. How to Apply for OTB?. The OTB is automatically assessed when you file your taxes:. File Your 2024 Taxes: Include Form ON-BEN to apply for OEPTC and NOEC (OSTC is automatic).. Report Housing Costs: Provide details of rent or property taxes paid in 2024.. Set Up Direct Deposit: Use CRA My Account for faster payments.. Newcomers should ensure their CRA My Account reflects their Ontario address. Late filers may receive payments 6–8 weeks after their 2024 return is processed.. OTB Payment Dates 2025. The OTB is paid monthly on the 10th (or the closest business day). For 2025–2026:. July 10, 2025. August 8, 2025. September 10, 2025. October 10, 2025. November 10, 2025. December 10, 2025. January 9, 2026. These payments help cover winter heating bills or property taxes, offering stability for Ontario households.. What Are the CPP and OAS?. The Canada Pension Plan (CPP) is a cornerstone of Canada’s retirement system, providing monthly payments to individuals who have contributed to the plan during their working years.. It replaces a portion of your income upon retirement, disability, or in the event of a contributor’s death (offering survivor benefits).. The CPP is funded through mandatory contributions from employees, employers, and self-employed individuals, making it a dependable income source for Canada’s seniors.. Old Age Security (OAS) is a universal monthly pension for Canadians aged 65 and older, regardless of work history.. Unlike the CPP, OAS is funded through general tax revenues and provides a baseline income to support seniors’ living expenses, such as healthcare, leisure, or daily necessities.. OAS also includes the Guaranteed Income Supplement (GIS) for low-income seniors, enhancing financial security.. Together, CPP and OAS form a robust safety net, ensuring seniors—from retirees in Niagara’s vineyard country to those in bustling Toronto—can maintain stability amid rising costs in 2025.. Eligibility for CPP and OAS. CPP Eligibility:. Age: You can start receiving CPP retirement benefits as early as age 60 (with a reduction) or as late as age 70 (with an increase).. Contributions: You must have made at least one valid contribution to the CPP during your working years, typically through employment or self-employment in Canada.. Residency: Be a Canadian resident or have worked in Canada. International agreements may allow contributions from other countries to count.. OAS Eligibility:. Age: Be 65 or older.. Residency: Have lived in Canada for at least 10 years after age 18 to qualify for a partial pension, or 40 years for the maximum pension. International social security agreements may count residency in other countries.. Income: OAS is income-tested, with payments reduced if your income exceeds $90,997 (2025 threshold for ages 65–74) or $94,638 (for ages 75+). The GIS is available for low-income seniors with incomes below $21,708 (singles) or $28,704 (couples).. These programs ensure inclusivity, supporting both long-term residents and newcomers who meet residency and contribution criteria.. CPP and OAS Payment Amounts and July 2025 Increase. Both CPP and OAS payments are adjusted periodically to reflect inflation, with OAS reviewed quarterly (January, April, July, October) based on the Consumer Price Index (CPI).. For July 2025, a 2.7% increase is applied, aligning with inflation trends reported by the CRA and Service Canada.. CPP Payment Amounts:. Maximum Monthly Payment (2025): Up to $1,470.50 for those starting at age 65 with 40 years of maximum contributions.. Average Monthly Payment: Approximately $829, as most Canadians have varied contribution histories.. Adjustments: Starting CPP at age 60 reduces payments by 0.6% per month (36% total by 60), while delaying to age 70 increases payments by 0.7% per month (42% total). For example, a 65-year-old with maximum contributions could receive $1,470.50 monthly, while someone with sporadic contributions might get $829.. OAS Payment Amounts:. Ages 65–74: Up to $727.67 monthly (if income is under $90,997).. Ages 75+: Up to $800.44 monthly (if income is under $94,638).. Guaranteed Income Supplement (GIS): Up to $1,057.01 monthly for low-income singles or $637.67 for couples (income thresholds apply).. For example, a 70-year-old retiree in Kingston with average CPP contributions and low income could receive $829 (CPP) + $727.67 (OAS) + $1,057.01 (GIS), totaling $2,613.68 monthly—a $68.66 increase from 2024 due to the 2.7% adjustment.. How to Apply. CPP Application:. Apply Online: Use your My Service Canada Account to apply for CPP retirement benefits, typically 6–12 months before your desired start date.. Provide Documentation: Submit your Social Insurance Number (SIN) and proof of contributions (available via your My Service Canada Account).. Set Up Direct Deposit: Ensure payments are deposited quickly and securely.. Newcomers: Verify contribution history through your employer or CRA records. If you’ve worked in a country with a social security agreement, submit relevant documentation to Service Canada.. OAS Application:. Automatic Enrollment: If you’ve lived in Canada for 10+ years and filed taxes, Service Canada may enroll you automatically. You’ll receive a letter before your 65th birthday.. Manual Application: If not enrolled, apply via My Service Canada Account or paper application, providing SIN, proof of residency, and income details.. GIS Application: Automatically assessed if you file taxes and apply for OAS. Update income details annually to maintain GIS eligibility.. Newcomers: Provide proof of residency (e.g., utility bills, lease agreements) to establish 10+ years of Canadian residency. Contact Service Canada at 1-800-622-6232 for assistance.. Direct deposit is recommended for both programs to avoid delays. Newcomers should ensure their residency and tax records are up to date to streamline the process.. CPP Payment Dates 2025. CPP and OAS are paid monthly, typically on the third-to-last business day. For 2025–2026:. July 29, 2025. August 27, 2025. September 26, 2025. October 29, 2025. November 26, 2025. December 22, 2025. January 28, 2026. These predictable payments allow seniors to budget for healthcare, utilities, or leisure, ensuring financial stability.. For example, a July payment could cover a retiree’s medication costs or a family outing in cottage country.. Newcomers should prioritize obtaining a SIN and establishing tax residency to unlock these benefits.. Community Volunteer Income Tax Programs can assist those unable to prepare returns themselves.. July 2025 marks a pivotal moment for Canadians, with increased payments from the GST/HST Credit, ACWB, CCB, OTB, and CPP/OAS providing essential relief.. These benefits support diverse groups—parents, workers, seniors, newcomers, and temporary residents—helping them navigate Canada’s economic challenges.. By filing taxes on time, updating your CRA My Account, and setting up direct deposit, you can secure these funds seamlessly.. Don’t let these opportunities pass you by! Mark the payment dates, estimate your benefits with CRA calculators, and share this guide to empower your community.. Whether you’re covering childcare in Mississauga, heating costs in Timmins, or retirement expenses in Niagara, these CRA payments are your financial lifeline.. Visit www.canada.ca or www.ontario.ca for more details, and take control of your finances in 2025!. What is the $500 federal payment in Canada?. There is no specific $500 federal payment confirmed for July 2025. However, payments like the GST/HST Credit (up to $533 annually for singles) or Canada Child Benefit (CCB) may be mistaken for a $500 payment.. Eligibility depends on filing your 2024 taxes and meeting income/residency criteria. Check CRA My Account for details.. Who is eligible for the $300 federal payment in Canada?. The $300 federal payment likely refers to programs like the GST/HST Credit or Canada Workers Benefit (CWB). You’re eligible if you’re a Canadian resident, 19 or older (or have a spouse/child if under 19), have low to moderate income, and filed your 2024 taxes. Temporary residents qualify after 18 months with a valid permit.. How much is the July 15th child tax payment?. The Canada Child Benefit (CCB) payment on July 18, 2025 (not July 15), can be up to $666.42 monthly per child under 6 and $562.33 for ages 6–17, based on 2024 income.. Amounts vary by family size and income, with a 2.7% increase for 2025. Use the CRA calculator to estimate.. Why did I get a provincial payment in Canada?. Provincial payments, like the Ontario Trillium Benefit (OTB) or B.C. Family Benefit, are often combined with federal payments (e.g., CCB) to support costs like taxes, energy, or childcare.. You received it if you filed your 2024 taxes, are a resident of the province, and meet income eligibility.. Check your province’s website or CRA My Account for specifics. 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