The cost of living continues to rise, and many Canadians are struggling to make ends meet. In response, the Canada Revenue Agency (CRA) has introduced a new initiative — the $3,900 monthly payment program.
Designed to support low- and moderate-income individuals and families, this program provides monthly financial relief to help with rent, groceries, medical expenses, and more.
If you’re wondering whether you qualify or how to apply, this guide breaks it down for you.
Table of Contents
Overview
Here’s a quick summary of the program’s core features:
| Aspect | Details |
|---|---|
| Program Name | CRA $3,900 Monthly Payment Program |
| Payment Amount | Up to $3,900 per month |
| Eligibility | Low- to moderate-income Canadians, age 19+ |
| Application | Through CRA portal (based on tax return and family size) |
| Payment Schedule | Monthly (dates vary by applicant) |
| CRA Website | canada.ca/revenue-agency-benefits |
The goal is to provide consistent financial support for those who need it most.
Program
This monthly payment program offers direct financial aid through recurring deposits. It’s designed to help eligible residents afford essential living expenses without relying solely on one-time benefits.
While the maximum payment is $3,900 per month, the actual amount varies by household income, number of dependents, and cost-of-living factors in your region.
Eligibility
To receive payments under this CRA program, you must meet the following conditions:
- Be a Canadian resident for tax purposes
- Be at least 19 years old (exceptions apply in special cases)
- Have filed the most recent income tax return
- Fall within low- to moderate-income thresholds
Eligibility is assessed automatically based on CRA tax data. If you haven’t filed your taxes recently, you’ll need to do so before applying.
Payment
Not everyone will receive the full $3,900. The CRA uses a sliding scale based on:
- Household income
- Family size (spouse or partner and dependents)
- Other CRA benefits you may already receive (such as CCB or GST credit)
For example, a single parent with two children and a low income may qualify for the full amount, while a dual-income couple may receive a reduced benefit.
Application
Here’s how to apply step-by-step:
File Your Tax Return
CRA uses your income tax return to determine eligibility. If you haven’t filed, do that first.
Collect Documents
You’ll need:
- T4 or self-employment income slips
- Proof of residency (like a lease or utility bill)
- Family information (number of dependents, marital status)
Apply Online
Log into your CRA My Account and look for the $3,900 Monthly Benefit application section. There’s also an option to apply by mail.
CRA Review
CRA will assess your application. If approved, you’ll get a confirmation letter or online notice with your payment amount and date.
Schedule
Payments are expected to roll out monthly, typically between the 15th and 20th of each month. To receive funds quickly, make sure your CRA account is set up for direct deposit.
| Month | Payment Window |
|---|---|
| January | Jan 15 – Jan 20 |
| February | Feb 15 – Feb 20 |
| March | Mar 15 – Mar 20 |
| … | Continues monthly |
Exact dates may vary based on processing time.
Alternatives
If you’re not eligible, there are other financial aid options worth exploring:
- Canada Child Benefit (CCB): Monthly support for families with children under 18
- Old Age Security (OAS) and GIS: Financial support for low-income seniors
- CPP Disability: For Canadians with qualifying disabilities
- Employment Insurance (EI): Temporary income support for job loss or illness
- Provincial Assistance: Additional support provided by provinces and territories
If you’re facing financial hardship, check with the CRA or your local government office to look into all available support options.
FAQs
How much is the CRA monthly payment?
Up to $3,900 per month, based on eligibility.
Who qualifies for the CRA payment?
Low- to moderate-income Canadians age 19+.
How do I apply for the payment?
Apply online through your CRA My Account.
When are the payments made?
Monthly, usually between the 15th and 20th.
What if I’m not eligible?
You may qualify for other CRA or provincial benefits.
