A fresh wave of financial relief is arriving this July for thousands of working Canadians. The Canada Workers Benefit (CWB) is back with updated advance payments, thanks to annual inflation adjustments by the CRA. For low-income earners who filed their 2024 taxes, this month’s payout could mean a nice mid-year boost.
Let’s break down what this July 2025 Advanced CWB payment means, how it’s calculated, and who gets what.
Table of Contents
Overview
The Canada Workers Benefit is a refundable tax credit for Canadians who work but still fall into the low-income category. It helps individuals and families by reducing taxes and—if they don’t owe anything—offering cold, hard cash.
The benefit includes:
- A basic amount for working individuals and families
- A disability supplement for those who qualify for the Disability Tax Credit
If you’re eligible, you could get advance payments instead of waiting until tax season.
Advance
The Advanced Canada Workers Benefit (ACWB) gives you up to 50% of your total CWB before tax season rolls around. These are paid out in three installments a year—automatically—based on your most recent tax return.
You don’t need to apply for it separately. If you filed your taxes and qualify, you’re in. Just sit back and watch your account.
Here’s the catch: Your income and family situation from your 2024 tax return determine what you get now. So, if your financial life changed last year, your July 2025 payment might look different.
Eligibility
Here’s who qualifies for the CWB in general:
- You were a Canadian resident all year
- You were 19 or older on December 31 (or lived with a spouse or child)
- You had earned income, but under a specific limit
Income limits vary by situation:
| Category | Max Income (2024) |
|---|---|
| Single | $36,749 |
| Family | $48,093 |
And you won’t qualify if:
- You were a full-time student for more than 13 weeks (without dependents)
- You were incarcerated for 90+ days
- You have diplomatic status and don’t pay Canadian taxes
Disability
To qualify for the disability supplement, you need:
- Approval for the Disability Tax Credit (DTC)
- A valid Form T2201 filed with CRA
- Income below these cut-off levels:
| Category | Max Supplement | Cut-off Income |
|---|---|---|
| Single | $821 | $42,222 |
| Family (1 person) | $821 | $53,565 |
| Family (2 people) | $1,642 | $59,038 |
Higher limits give people with disabilities extra room to qualify for this helpful boost.
Filing
No extra forms needed. Just file your taxes and include Schedule 6 (your tax software will guide you through it). If you’re eligible for the disability part:
- If one partner qualifies, they must claim both components
- If both qualify, each files Schedule 6—but only one claims the base benefit
To get advance payments, file your return before November 1. That’s how CRA decides your eligibility and sets your payment schedule.
Amounts
Here’s what you might see hitting your account in July 2025:
| Category | Estimated Payment |
|---|---|
| Single | $265 |
| Family or with dependents | $456.50 |
| Disability Supplement | +$136.83 |
Remember, these are federal estimates. If you live in Quebec, Alberta, or Nunavut, your payments might differ slightly.
Schedule
Here are the next advance payment dates for CWB:
| Payment Date | Period Covered |
|---|---|
| July 11, 2025 | Summer 2025 |
| October 10, 2025 | Fall 2025 |
| January 12, 2026 | Winter 2026 |
These deposits are made directly to your bank account if you’re signed up for direct deposit with CRA.
Taxable
Nope. The Canada Workers Benefit is non-taxable. That means:
- It reduces what you owe
- If you owe nothing, you still get the money
- Advance payments aren’t taxed either
It’s one of the few win-win benefits out there.
The Canada Workers Benefit continues to offer meaningful help to low-income workers and their families. With increased limits and automatic deposits, it’s easier than ever to get your share.
Just make sure your tax return is up to date, and you’ll be in line for your July 2025 payment. Questions? Use the CRA’s calculator to estimate your total—and always check your CRA My Account for updates.
FAQs
When is the next CWB payment?
The next CWB payment is on July 11, 2025.
Do I need to apply for ACWB?
No, payments are automatic if you filed taxes.
Is the CWB taxable income?
No, it’s a non-taxable refundable credit.
How much is the July 2025 CWB?
$265 for singles, $456.50 for families, plus $136.83 if disabled.
Can students get the CWB?
Only if not a full-time student for over 13 weeks.
