As July 2025 unfolds, millions of Canadians are set to receive a significant financial boost from the Canada Revenue Agency (CRA) through five major benefit programs. With costs still high for essentials like food, rent, energy, and childcare, these payments offer more than just financial relief—they provide critical support for families, seniors, low-income workers, Ontarians, and newcomers navigating today’s economic landscape.
This article breaks down each benefit, covering who qualifies, how much they can expect, when payments will arrive, and how to access them.
1. GST/HST Credit: Quarterly Tax Relief for Low-Income Canadians
The Goods and Services Tax / Harmonized Sales Tax (GST/HST) Credit provides a tax-free quarterly payment to help low- and middle-income households offset the GST/HST paid on everyday purchases. From July 2025, the credit increases by 2.7%, matching recent inflation trends.
Who’s Eligible?
- Canadian citizens or permanent residents aged 19 or older
- Those who filed their 2024 tax return on time
- Some temporary residents (after 18 months in Canada) may also qualify
Updated Payment Amounts:
- Single adult: Up to $533/year (now $133.25 per quarter)
- Married/common-law couples: Up to $698/year
- Each child: Additional $184/year
2025–2026 Payment Dates:
- July 5, 2025
- October 3, 2025
- January 5, 2026
- April 3, 2026
How to Apply:
No separate application is required—just file your 2024 tax return on time.
2. Advanced Canada Workers Benefit (ACWB): Reward for Low-Income Workers
The ACWB offers advance payments to Canadians who are working but earning a low income. The program has been increased by 2.7% beginning July 2025 to reflect current cost pressures.
Who’s Eligible?
- Canadian residents aged 19+
- Annual working income above $3,000
- Includes eligible newcomers and temporary residents after 18 months, provided taxes are filed
Updated Payment Amounts:
- Single workers: Up to $1,428/year
- Families: Up to $2,461/year
- Extra amount available for individuals with disabilities
ACWB Payment Dates:
- July 11, 2025
- October 10, 2025
- January 9, 2026
How to Apply:
Ensure you fill out Schedule 6 in your tax return. CRA will handle the rest automatically.
3. Canada Child Benefit (CCB): Monthly Support for Families with Children
The Canada Child Benefit is a monthly payment designed to help cover the cost of raising children. From July 2025, benefit amounts increase by 2.7% to reflect inflation.
Who’s Eligible?
- The child’s primary guardian
- Children under 18
- Family income must be low to moderate
- Newcomers and temporary residents may qualify after 18+ months in Canada
Updated Payment Amounts:
- Children under 6: Up to $7,997/year
- Children aged 6–17: Up to $6,748/year
- Disability supplement: Up to $3,265/year extra per child
Monthly Payment Dates:
- July 18, 2025
- August 20, 2025
- September 19, 2025
- Then every 20th of the month
How to Apply:
Submit form RC66 along with proof of residency and child documentation if you are a new applicant or newcomer.
4. Ontario Trillium Benefit (OTB): Provincial Support for Eligible Ontarians
Exclusive to Ontario residents, the Ontario Trillium Benefit combines three supports: the Sales Tax Credit, Energy Credit, and Property Tax Credit. From July 2025, each benefit sees an increase.
Who’s Eligible?
- Age 19+
- Must have lived in Ontario as of December 2024
- Paid rent or property tax
- Must file the ON-BEN form with your 2024 return
Updated Benefit Amounts:
- OSTC: Up to $371 per person
- OEPTC: Up to $1,282 (non-seniors), $1,459 (seniors)
- NOEC: Up to $185 (single) / $284 (families)
OTB Payment Dates:
- July 10, 2025
- August 8, 2025
- Then on the 10th of each month
How to Apply:
File your 2024 tax return with the ON-BEN form, including documentation of rent or property tax paid.
5. CPP and OAS: Reliable Income for Seniors
The Canada Pension Plan (CPP) and Old Age Security (OAS) form the core of retirement income for Canadian seniors. With inflation continuing to rise, benefit amounts have increased starting July 2025.
Who’s Eligible?
- CPP: Anyone who contributed while working; benefits can start from age 60
- OAS: Canadians 65+, with 10+ years of Canadian residency
Updated Payment Amounts (July 2025):
- CPP: Up to $1,433/month
- OAS (65–74): Up to $727.67/month
- OAS (75+): Up to $800.44/month
- GIS (living alone): Up to $1,057.01/month
Payment Dates:
- July 29, 2025
- August 27, 2025
- September 26, 2025
- Then the last week of each month
How to Apply:
- Apply for CPP via your My Service Canada Account
- OAS is automatic for most, but new residents must apply with residency and tax documentation
Final Thoughts: July 2025 as a Month of Financial Relief
The CRA’s five benefit programs rolling out in July 2025 collectively represent a massive financial safety net for Canadians. Whether you’re a senior in Halifax, a low-income worker in Calgary, or a new parent in Ottawa, these payments offer critical support.
To make sure you receive all payments:
- File your 2024 taxes before the deadline
- Keep your CRA My Account information updated
- Enroll in direct deposit for quicker access
Visit www.canada.ca or www.ontario.ca for complete details and support tools.
✅ Frequently Asked Questions (FAQs)
Q1. What are the key CRA benefits increasing in July 2025?
The GST/HST Credit, ACWB, CCB, OTB, and CPP/OAS are all increasing to keep up with inflation.
Q2. Are newcomers eligible for these CRA benefits?
Yes, temporary residents and new Canadians can qualify after 18 months of residency and tax filing.
Q3. Do I need to apply for GST or ACWB payments?
No. As long as you file your tax return, eligibility is automatically assessed.
Q4. What is the next GST/HST payment date?
The next GST/HST payment is scheduled for July 5, 2025.
Q5. How can I ensure I receive my CRA benefits without delay?
File your taxes, set up direct deposit, and keep your CRA account current with any changes.
