Starting July 2025, low-income workers in Canada are in for a game-changing shift—the Canada Workers Benefit (CWB) is moving from a once-a-year lump sum to quarterly payments. That’s right, instead of waiting until tax season to receive your benefit, you’ll now get it in smaller, more manageable chunks throughout the year.
Let’s break down what this update means for you, how much you can expect to receive, and why this new approach is a financial win for many Canadians.
Overview
The Canada Revenue Agency (CRA) has restructured the CWB to help Canadians deal with everyday costs as they come up. Whether it’s the back-to-school rush, high winter heating bills, or holiday shopping, quarterly payments aim to put money in your pocket when you need it—not after the fact.
Under this new system, eligible recipients will receive four equal payments each year—in July, October, January, and April. This spreads your benefit out over the year and brings you closer to financial stability.
Eligibility
Not everyone qualifies automatically, so let’s see who’s in:
- You must be a Canadian resident for all of 2025
- You need earned income (from a job or self-employment)
- You must be 19 or older by December 31, 2025, or live with a spouse, common-law partner, or child
- Your net income must fall below the CWB threshold, which varies by province and family type
- You must file your 2024 taxes—that’s how eligibility is determined
If you meet these, you’ll be automatically enrolled—no forms, no applications, no hassle.
Payments
So, how much can you expect to get every three months? Here’s a quick look:
| Household Type | Max Annual Benefit | Quarterly Payment |
|---|---|---|
| Single (no children) | $1,428 | $357 |
| Family (with children) | $2,461 | $615.25 |
Keep in mind—these are estimates. Your exact amount depends on your 2024 income and province.
Dates
Timing matters, especially when budgeting. Here’s the confirmed CWB payment schedule for the 2025–26 benefit year:
| Quarter | Payment Month |
|---|---|
| Q1 | July 2025 |
| Q2 | October 2025 |
| Q3 | January 2026 |
| Q4 | April 2026 |
Payments will be direct deposited or sent by cheque, depending on your CRA profile. Make sure your banking info is up to date to avoid any delays.
Benefits
You might be wondering—why bother changing the system?
Simple: Life doesn’t wait for tax season.
This update helps Canadians:
- Handle seasonal expenses in real time
- Avoid debt traps like payday loans
- Budget monthly with more predictability
- Lower stress by spreading income support
In a time when rent is climbing, food costs are up, and inflation bites, getting your CWB in quarterly chunks gives you more control over your finances.
Application
Here’s the best part—you don’t need to apply.
If you filed your 2024 tax return and met all eligibility criteria, the CRA will handle the rest. You’ll get your first payment automatically in July 2025.
All you need to do is make sure your CRA account details are accurate—especially your direct deposit info and mailing address.
The bottom line? This new quarterly system puts money in your hands faster and when it matters most. It’s a major win for low-income earners trying to stay afloat amid rising living costs in Canada.
FAQs
When do CWB quarterly payments start?
The first CWB quarterly payment starts in July 2025.
Do I need to apply for advance CWB?
No application is needed. CRA enrolls you automatically.
How much will I receive per quarter?
Up to $357 for singles or $615.25 for families.
Is my 2024 tax return required?
Yes, your 2024 return determines eligibility.
Can payments be delayed?
Yes, if your CRA info is outdated or incorrect.
