Canadian families can look forward to continued financial relief in 2025 through the Canada Child Benefit (CCB). With up to $445 in additional family benefit payments for those who qualify, this extra boost can significantly help cover the cost of raising children in the face of rising expenses.
The CCB remains one of the government’s most effective tools in reducing child poverty and supporting working parents.
Here’s a complete breakdown of who’s eligible, how much you can receive, when the payments arrive, and how to use the benefit effectively.
What Is the Canada Child Benefit (CCB)?
The Canada Child Benefit is a tax-free monthly payment provided to eligible families to help with the cost of raising children under 18 years old. Introduced in 2016, the CCB consolidated and replaced multiple child benefit programs into one simplified, more generous support system.
Each year, the benefit is adjusted in July based on your previous year’s tax return and family net income.
Overview of the 2025 Canada Family Benefit
| Key Information | Details |
|---|---|
| Base CCB Amount (Age 0–5) | Up to $6,997/year (~$583/month) |
| Base CCB Amount (Age 6–17) | Up to $5,903/year (~$492/month) |
| Extra Family Benefit | Up to $445/year |
| Eligibility | Income-tested, must live in Canada |
| Payment Dates | 20th of each month (or next business day) |
| Administered by | Canada Revenue Agency (CRA) |
| Application Required | Yes (initial registration) |
The $445 Family Benefit is typically included in your CCB payment if your household income falls within the eligibility threshold.
Who Is Eligible for the CCB?
To receive the CCB and the $445 top-up, you must meet these criteria:
1. Canadian Residency
You must live in Canada and be a resident for tax purposes.
2. Primary Caregiver Status
You must be primarily responsible for the child’s care and upbringing.
3. Children Under 18
Your child(ren) must be under 18 years old to qualify for CCB payments.
4. Annual Tax Filing
Both parents (if applicable) must file annual income tax returns, even with no income.
5. Income Requirements
Your adjusted family net income affects the amount you receive:
- Families earning under $32,000 may receive full payments
- Benefits begin to reduce for families earning above $32,000
- High-income households (above $150,000) may receive reduced or no benefits
CCB + $445 Canada Family Benefit: Payment Amounts
Here’s what eligible families could receive annually:
| Child’s Age | Base CCB | + Family Benefit | Total Potential |
|---|---|---|---|
| Under 6 | $6,997 | Up to $445 | $7,442/year |
| Ages 6–17 | $5,903 | Up to $445 | $6,348/year |
These benefits are non-taxable and can be directly deposited or sent as a cheque each month.
CCB Payment Dates for 2025
The Canada Child Benefit is paid monthly, typically on the 20th. If the 20th falls on a weekend or holiday, it will arrive on the next business day.
| Month | Payment Date |
|---|---|
| January | January 22, 2025 |
| February | February 20, 2025 |
| March | March 20, 2025 |
| April | April 20, 2025 |
| May | May 20, 2025 |
| June | June 20, 2025 |
| July | July 20, 2025 |
| August | August 20, 2025 |
| September | September 20, 2025 |
| October | October 20, 2025 |
| November | November 20, 2025 |
| December | December 20, 2025 |
Sign up for direct deposit through your CRA My Account for the fastest payment.
Disability Supplement
Families with a child who qualifies for the Disability Tax Credit (DTC) can receive an additional annual supplement of up to $3,173 (2025) per child.
This amount is added to your CCB and helps cover additional care expenses related to disability.
How to Apply and Stay Eligible
1. Register Once
New parents or newcomers to Canada can apply through:
- CRA My Account
- Provincial birth registration services
2. File Taxes Annually
To remain eligible, both you and your spouse must file your tax returns each year—even with zero income.
3. Keep Your Info Updated
Notify CRA of any changes to:
- Marital status
- Number of children
- Address or banking details
4. Shared Custody
In shared custody arrangements, each parent may receive 50% of the benefit based on custody time.
How to Use the $445 Benefit Wisely
Here are smart ways to spend or save the CCB and extra $445 benefit:
- Cover Essentials: Childcare, school supplies, rent, groceries
- Start a RESP: Invest in your child’s education early
- Emergency Fund: Set aside a portion for unexpected costs
- Debt Repayment: Pay off high-interest credit cards or personal loans
- Family Enrichment: Fund extracurriculars, books, or developmental programs
The $445 Canada Family Benefit coming in 2025 offers a valuable boost for low- and middle-income families, helping ease the growing costs of raising children. When combined with the base CCB, it provides significant support for essentials, savings, or emergency needs.
To ensure you receive the full amount, keep your information current, file your taxes, and check your CRA account regularly.
With smart planning, the Canada Child Benefit can help you build a brighter financial future for your family.
FAQs
What is the maximum CCB payment in 2025?
Up to $6,997/year per child under 6 and $5,903/year per child aged 6–17, plus additional top-ups like the $445 Family Benefit.
When are CCB payments made?
On the 20th of every month, or the next business day if it falls on a weekend or holiday.
Do I need to apply separately for the $445 benefit?
No. If you’re eligible for the CCB, the $445 top-up is included automatically, based on income and child details.