Starting July 2025, millions of Canadians will see bigger payments hitting their accounts. The Canada Revenue Agency (CRA) has confirmed annual increases across key federal programs, including the Canada Child Benefit (CCB), Old Age Security (OAS), GST/HST Credit, and the new Canada Disability Benefit.
These updates are part of the CRA’s regular July adjustment cycle, ensuring government support keeps pace with inflation and updated income data.
Timing
So why do these changes happen in July?
Many CRA benefits use a benefit year that runs from July to June. The CRA calculates new amounts using the latest tax returns (in this case, 2024) and inflation numbers. Unlike CPP, which adjusts in January, most other benefits kick off their new rates in July.
If you rely on any income-tested support from the CRA, July is the month to watch.
Rates
Here’s a full comparison of what’s changing across major benefits starting July 2025:
| Benefit Type | 2024 Rate | New 2025 Rate | Effective From |
|---|---|---|---|
| GST/HST Credit (Single) | Up to $496 annually | Up to $533 annually | July 5, 2025 |
| GST/HST Credit (Couple) | Up to $650 annually | Up to $698 annually | July 5, 2025 |
| Canada Workers Benefit (Single) | Up to $1,519 | Up to $1,590 | July 11, 2025 |
| Canada Workers Benefit (Family) | Up to $2,616 | Up to $2,739 | July 11, 2025 |
| CCB (Under Age 6) | $7,437 annually | $7,997 annually | July 18, 2025 |
| CCB (Ages 6–17) | $6,275 annually | $6,748 annually | July 18, 2025 |
| Child Disability Benefit | $3,173 annually | $3,411 annually | July 18, 2025 |
| OAS (Ages 65–74) | $727.61 monthly | $734.95 monthly | July 29, 2025 |
| OAS (Ages 75+) | $800.57 monthly | $808.44 monthly | July 29, 2025 |
| Canada Disability Benefit | New Program | Up to $2,400 annually | First payments July 2025 |
GST/HST
The GST/HST Credit helps low- and modest-income households cover consumption taxes. From July 5, singles can receive up to $533 annually, and couples up to $698, with an additional $184 per child.
Expect payments every quarter, and make sure your 2024 tax return is filed to qualify.
Workers
The Canada Workers Benefit (CWB) is rising 4.7%, beating inflation. If you’re a low-income worker, this means more money in your pocket. Single recipients can now get up to $1,590, while families can receive up to $2,739.
The first advance payment is scheduled for July 11, 2025.
Children
Parents will get a higher Canada Child Benefit starting July 18. Payments go up to $7,997 per year for children under 6, and $6,748 for kids aged 6–17.
If you have a child with a disability, you could also get up to $3,411 annually through the Child Disability Benefit—an increase of $238 from last year.
Seniors
Old Age Security is also getting a lift. If you’re aged 65–74, your monthly OAS goes up to $734.95. If you’re 75 or older, you’ll now receive $808.44 per month. These payments take effect on July 29.
Remember, you must have filed your tax return to receive the OAS increase and any GIS top-ups.
Disability
The Canada Disability Benefit is launching this July with monthly payments of up to $200, or $2,400 annually. This new support is for low-income adults aged 18 to 64 who qualify for the Disability Tax Credit and have filed their 2024 return.
To receive it, make sure your DTC is approved and your CRA My Account is updated.
Actions
To make sure you receive every dollar you’re entitled to:
- File your 2024 tax return
- Log in to CRA My Account and update your info
- Upload all supporting documents (if requested)
- Keep an eye on payment dates and CRA notifications
These CRA benefit increases for July 2025 come at the right time for many Canadian households. Whether you’re raising kids, living on a fixed income, working a lower-wage job, or living with a disability, these changes are designed to help cover rising living costs.
Stay informed, stay eligible, and take the necessary steps now to make the most of your government benefits.
FAQs
When do the new CRA benefits start?
July 2025, with exact dates depending on the benefit type.
How much is the 2025 CCB for kids under 6?
Up to $7,997 per child annually starting July 18, 2025.
Who qualifies for the Canada Disability Benefit?
Adults aged 18–64 approved for the Disability Tax Credit.
How do I get the new benefit rates?
File your 2024 tax return and update CRA account info.
Are these benefit increases tied to inflation?
Yes, most are adjusted based on inflation and income data.
