Starting July 2025, millions of Canadians will get a boost in their government benefits. Whether you’re a parent, senior, low-income worker, or living with a disability, expect more money in your bank account.
Why? Every July, the CRA updates most income-tested programs to reflect the cost of living—and this year’s hikes are significant.
Let’s break it all down in plain language so you know what’s coming and how to get it.
Timing
Most CRA benefit programs run from July to June, based on your last filed tax return and recent inflation data. That’s why this is the month when payment amounts typically change.
Unlike CPP, which adjusts in January, programs like the Canada Child Benefit (CCB), Old Age Security (OAS), and the GST/HST Credit get their upgrades in July.
This year, the changes go even further, with the launch of the new Canada Disability Benefit.
Increases
Here’s a quick snapshot of the benefit updates coming in July 2025:
| Benefit Type | 2024 Rate | New 2025 Rate | Effective Date |
|---|---|---|---|
| GST/HST Credit (Single) | $496 annually | $533 annually | July 5, 2025 |
| GST/HST Credit (Couple) | $650 annually | $698 annually | July 5, 2025 |
| CWB (Single) | $1,519 | $1,590 | July 11, 2025 |
| CWB (Family) | $2,616 | $2,739 | July 11, 2025 |
| CCB (Under Age 6) | $7,437 | $7,997 | July 18, 2025 |
| CCB (Ages 6–17) | $6,275 | $6,748 | July 18, 2025 |
| Child Disability Benefit | $3,173 | $3,411 | July 18, 2025 |
| OAS (Age 65–74) | $727.61/month | $734.95/month | July 29, 2025 |
| OAS (Age 75+) | $800.57/month | $808.44/month | July 29, 2025 |
| Canada Disability Benefit | New | Up to $2,400/year | First payment in July |
GST/HST
If you’re single, you could now get up to $533 per year. Couples? That climbs to $698, plus $184 for each child. This tax-free quarterly credit is designed to offset the sales tax bite for low-income Canadians.
Workers
The Canada Workers Benefit (CWB) got a decent bump—more than inflation. If you’re working but earning a low income, you could receive up to $1,590 as a single filer or $2,739 as a family. Payments begin July 11 and are paid in advance to eligible individuals.
Families
Parents can celebrate a nearly $600 increase in the Canada Child Benefit (CCB) for kids under 6. Payments now reach $7,997 annually per child under 6, and $6,748 for children aged 6 to 17. That’s serious help with daycare, food, and back-to-school costs.
Disability
Families with children eligible for the Disability Tax Credit (DTC) will get up to $3,411 annually through the Child Disability Benefit. That’s about $284 a month, kicking in with the July 18 CCB payment.
There’s also something new: the Canada Disability Benefit. If you’re an adult (18–64) who qualifies for the DTC, has a low income, and filed your 2024 taxes, you may receive up to $200/month starting this July.
Seniors
OAS payments are also climbing. If you’re between 65 and 74, expect around $734.95 per month. If you’re 75 or older, that jumps to $808.44. These amounts will be automatically updated in your monthly deposit.
Steps
To make sure you get every dollar you qualify for:
- File your 2024 tax return – no return, no benefits.
- Update your CRA My Account – especially your direct deposit info.
- Watch for CRA messages – they’ll notify you of eligibility and payment updates.
- Check the CRA payment schedule – mark your calendar so you know when money is coming in.
These updated benefits aren’t just numbers—they’re meaningful boosts for Canadians navigating rising costs. And with most programs seeing increases above inflation, it’s more important than ever to stay on top of what you’re entitled to.
FAQs
When do the new CRA payments start?
Most new rates begin in July 2025, with exact dates per benefit.
How much is the new CCB payment?
Up to $7,997 per child under age 6, and $6,748 for ages 6–17.
What is the Canada Disability Benefit?
A new $2,400/year benefit for low-income disabled adults.
How do I qualify for GST/HST credit?
File your taxes and meet low-income thresholds based on family size.
Do I need to apply for these increases?
No—file your 2024 taxes and updates happen automatically.
