In July 2025, a major proposal was introduced in Parliament that could significantly boost support for Canadian families — a $1,200 annual top-up to the Canada Child Benefit (CCB). Designed to combat rising living costs, this proposal comes at a time when families are facing higher bills for housing, groceries, and childcare.
If passed, this top-up would be one of the most generous enhancements to the CCB since its launch, offering targeted relief to low- and middle-income households.
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Eligibility
The proposed $1,200 top-up would follow the existing Canada Child Benefit eligibility rules. That means if you already qualify for the CCB, there’s a good chance you’ll also get the extra money. To be eligible:
- You must have children under the age of 18
- You need to be a Canadian resident for tax purposes
- You must file your annual income tax return
- Your household income must meet CRA’s eligibility thresholds
The top-up will use a tiered system. Families with the lowest incomes will receive the full $1,200 per child annually. Higher-income households may receive a reduced amount or none at all. This ensures the support goes to those who need it most.
Breakdown
Here’s a side-by-side comparison of the current CCB and the proposed 2025 changes:
| Component | Current (2024-2025) | Proposed Top-Up (2025) |
|---|---|---|
| Base CCB (Under 6 years) | Up to $7,437 per child | Unchanged |
| Base CCB (6 to 17 years) | Up to $6,275 per child | Unchanged |
| New Top-Up Amount | N/A | Up to $1,200 per child (annual) |
| Payment Schedule | Monthly | Added to monthly (quarterly under review) |
Families already receiving CCB will not need to apply separately for the top-up. If approved, it will be included in your monthly payment, or possibly issued quarterly depending on CRA’s final decision.
Reason
Why now? The short answer is inflation. As of mid-2025, inflation in Canada remains at around 3.4 percent. That means groceries, rent, utilities, and childcare all cost more than they did a year ago. For many families, especially those with single or low incomes, that increase is hitting hard.
The proposed CCB increase aims to:
- Offset rising living expenses
- Combat child poverty and food insecurity
- Help families provide better care and opportunities for their kids
Recent Statistics Canada data shows over 1.2 million children are growing up in households experiencing food insecurity. This benefit is both a relief effort and an investment in the country’s future.
Timeline
So, when could this top-up actually land in your bank account?
- Late August 2025: Final vote in Parliament expected
- Early September 2025: CRA will issue notices if approved
- October 2025: Payments begin, added to monthly CCB deposits
CRA is already preparing its systems to manage the rollout, which should be smooth and automatic — just like regular CCB payments.
To avoid delays, families are urged to ensure their 2024 tax returns are filed and all information is accurate. CRA uses this data to determine your eligibility and calculate the benefit amount.
Impact
For families raising kids in 2025, this top-up could be a game-changer. While $1,200 might not solve every financial challenge, it helps cushion the blow of ongoing inflation, especially for basic needs like food, school supplies, and clothing.
It’s also a step toward a more responsive child benefit system — one that adapts to the economic realities families are facing.
If you’re already receiving CCB, make sure your tax info is current. If the proposal passes, you won’t have to lift a finger to get the extra funds — they’ll come to you automatically.
FAQs
Who qualifies for the CCB top-up?
Parents with children under 18 who meet CRA income rules.
How much is the proposed top-up?
Up to $1,200 per child annually for low-income families.
Do I need to apply separately?
No, eligible families will receive it automatically.
When could payments start?
October 2025, if the proposal is approved by Parliament.
Will it affect the base CCB amount?
No, the base CCB will remain unchanged.
