As the cost of living rises across Canada, the Canada Revenue Agency (CRA) has announced five benefit payments that will see increases beginning in July 2025.
These updated benefits are meant to support a wide range of Canadians—low-income workers, families, seniors, and newcomers—with enhanced financial assistance.
From tax-free GST payments to advanced worker credits and child and pension support, these adjustments will provide timely relief. Below is a detailed guide to these 5 CRA benefit increases.
Overview of July 2025 CRA Benefit Increases
| Benefit | July 2025 Payment Date | New Annual Amount (Max) |
|---|---|---|
| GST/HST Credit | July 4, 2025 | Up to $901 (for a family of 3) |
| Advanced Canada Workers Benefit | July 12, 2025 | Up to $2,400 (based on income/family) |
| Canada Child Benefit (CCB) | July 20, 2025 | Up to $7,787 per child under 6 |
| Ontario Trillium Benefit (OTB) | July 9, 2025 | Up to $1,300 annually (varies by region) |
| CPP & OAS | July 28, 2025 | CPP up to $1,433/month, OAS up to $713.34/month |
1. GST/HST Credit – July 2025 Increase
The GST/HST credit is a quarterly, tax-free payment for low and modest-income Canadians. For 2025–2026, a 2.7% inflation increase applies.
- Single adult: Up to $533/year
- Married couple: Up to $698/year
- Per child: $184/year
Eligibility: File your 2024 tax return. Newcomers may qualify after 18 months of residency.
Next Payment: July 4, 2025
2. Advanced Canada Workers Benefit (ACWB)
The ACWB provides three advance payments per year, helping workers access cash before tax season.
- Singles: Up to $1,518
- Families: Up to $2,616
- July Payment: 50% of your calculated benefit for the year
Eligibility: Must be 19+, earn working income over $3,000, and meet CRA income thresholds.
Next Payment: July 12, 2025
3. Canada Child Benefit (CCB)
Families will see indexed increases in July 2025:
- Under age 6: Up to $7,787/year
- Age 6–17: Up to $6,570/year
Eligibility: Must file taxes and be the primary caregiver.
Next Payment: July 20, 2025
4. Ontario Trillium Benefit (OTB)
The OTB combines the energy, sales tax, and property tax credits into a monthly payment.
- Annual max: $1,300+ depending on your income and location
Eligibility: Ontario residents who qualify based on 2024 tax returns.
Next Payment: July 9, 2025
5. CPP and OAS – Mid-Year Adjustment
Though CPP increases are typically annual, a mid-year inflation adjustment for July 2025 raised amounts by 2.6%.
- CPP Max (age 65): $1,433/month
- OAS Max (age 65+): $713.34/month
- OAS + GIS for low-income seniors: Over $1,000/month
Next Payment Date: July 28, 2025
How to Access These Benefits
File Your Taxes
All these benefits rely on your 2024 tax return.
Set Up Direct Deposit
Log in to CRA My Account or your banking portal to enroll for faster payments.
Update Your Information
Changes in address, marital status, or dependents can affect eligibility—keep CRA up to date.
The July 2025 CRA benefit increases reflect the government’s effort to address inflation and better support Canadian households.
With updates to five key programs, families, seniors, workers, and newcomers can all expect a meaningful boost.
Ensure your taxes are filed, direct deposit is active, and your personal details are accurate to receive these timely payments.
FAQs
Who qualifies for the GST/HST credit in July 2025?
Anyone with low to moderate income who files a 2024 tax return and meets residency requirements may qualify.
Do I need to apply for the Advanced Canada Workers Benefit?
No, if eligible, the CRA will automatically assess and issue payments after you file your taxes.
When will the CPP and OAS July payments be made?
CPP and OAS will be paid on July 28, 2025 via direct deposit or cheque.