Kylie
As July 2025 approaches, millions of Canadians are poised to receive an uplifted financial boost from the Canada Revenue Agency (CRA). With living costs soaring—think rent, groceries, utilities—the CRA is rolling out five key benefit payments with 2.7% inflation increases.
From families to newcomers, seniors to working households, this guide breaks down eligibility, payment amounts, schedules, and how to claim your share.
1. GST/HST Credit Increase
What It Is:
A quarterly tax-free payment to offset the GST/HST you pay on essentials.
Who Qualifies:
Canadians age 19+, low/moderate income, tax filers—even newcomers and temporary residents (after 18 months).
2025–2026 Payment Levels:
- Single: $533/year ($133.25 per quarter)
- Couples: $698/year ($174.50 quarterly)
- $184/year per child under 19
Combined with family credits, a single parent could now receive $901/year.
July Payment Date: July 4, 2025
(Also disbursed Oct 3, Jan 5, Apr 3)
2. Advanced Canada Workers Benefit (ACWB) Increase
What It Is:
Refundable credit supporting low-income earners, paid in three advance installments.
Eligibility:
Low-income workers age 19+, tax filers, newcomers after 18 months.
2025–2026 Advance Payments:
- Single workers: Up to $1,428/year (or $2,165 with disability)
- Advance: $714/year ($238 per installment)
- Couples/families: Up to $2,461/year (or $3,198 with disability)
- Advance: $1,230.50/year ($410.17 per installment)
July Installment Date: July 11, 2025
(Then Oct 10, Jan 9)
3. Canada Child Benefit (CCB) Increase
What It Is:
Monthly tax-free support for families with children under 18.
Who’s Eligible:
Primary caregivers with filed taxes; open to newcomers and temporary residents after 18 months.
2025–2026 Payment Rates:
- Children under 6: Up to $7,997/year ($666.41/month)
- Ages 6–17: Up to $6,748/year ($562.33/month)
- Disability supplement: Up to $3,265/year ($272.08/month)
Example: A family with a 4- and 8-year-old and low income could see $1,228.74/month.
July Payment Date: July 18, 2025
(Then monthly on the 20th)
4. Ontario Trillium Benefit (OTB) Increase (Ontario residents)
What It Is:
Annual combined credit for sales tax, energy, and property tax relief.
Eligibility:
Ontario residents who file taxes and claim Form ON-BEN; includes newcomers after 18 months.
2025 Payment Levels:
- Sales Tax Credit: Up to $371
- Energy & Property Tax Credit: Up to $1,282 (non-seniors) or $1,459 (seniors)
- Northern Energy Credit: Up to $185 (singles) / $284 (families)
Example: A senior household might receive $1,459/year, while a family in Sudbury could get $840/year.
July Payment Date: July 10, 2025
(Then monthly on the 10th)
5. CPP & OAS Increase
What They Are:
- CPP: Retirement/disability benefits based on contributions
- OAS/GIS: Universal pensions for seniors, with supplement for low-income individuals
Eligibility:
CPP requires contribution history; OAS requires residency (10–40 years), while GIS is for low-income seniors.
July 2025 Payment Levels:
- CPP: Up to $1,433/month, average $899—can increase by delaying claim
- OAS: Up to $727.67/month (age 65–74), $800.44 (75+)
- GIS: Up to $1,057.01/month for single, $637.67 for couples
Example: A low-income 70-year-old with full CPP could receive $2,613.68/month.
July Payment Date: July 29, 2025
(Then last business day monthly)
| Benefit | Type | July 2025 Date | Max Annual Amount |
|---|---|---|---|
| GST/HST Credit | Tax-Free Credit | July 4 | $533 (single); +$184/child |
| ACWB | Tax Credit | July 11 | $1,428 (single); $2,461+ |
| CCB | Monthly Benefit | July 18 | $7,997 (under 6); $6,748 (6–17) |
| Ontario Trillium Benefit | Annual Credit | July 10 | Up to $1,459 seniors |
| CPP / OAS / GIS* | Pension Income | July 29 | CPP $1,433; OAS $800; GIS $1,057 |
*Payment frequency: monthly except OTB.
July 2025 brings a significant financial uplift: five CRA benefits have been increased by 2.7%, offering crucial help to Canadians across the board.
From GST/HST rebates to child and pension supports, and Ontario aids, these together can make a real difference in handling rising living costs.
To ensure you don’t miss out, file your taxes on time, update your account info, and use direct deposit. Share this guide with those who might benefit—and stay ready to claim your boost this July!
FAQs
Do I need to apply for these increased payments?
No. Payments are automatic once you file your 2024 taxes and meet eligibility criteria.
Can newcomers and temporary residents receive these?
Yes! After 18 months of valid temporary status, newcomers may qualify by filing taxes and meeting income/residency requirements.
How do I ensure I receive my payments quickly?
File taxes by April 30, update info in CRA My Account, and sign up for direct deposit.