Roxy
Families across Canada are set to receive a larger-than-usual Canada Child Benefit (CCB) payment this month, with July 2025 ushering in the new benefit year and a 2.7% inflation increase.
This means some families could see deposits as high as $1,250 per child, particularly when the Child Disability Benefit (CDB) and provincial top-ups are included.
What Is the Canada Child Benefit (CCB)?
The Canada Child Benefit is a monthly, tax-free payment from the Canada Revenue Agency (CRA) to support families with the cost of raising children under 18. First launched in 2016, it combines several previous programs into one streamlined support system based on:
- Adjusted family net income
- Number and ages of children
- Disability status of the child
- Provincial or territorial top-up eligibility
Why July 2025’s CCB Is Higher
The 2025–2026 benefit year began with a 2.7% indexation increase in response to rising inflation. In addition:
- Income thresholds have been raised, allowing more families to qualify for higher amounts
- Payment was issued early on Friday, July 18, as July 20 falls on a Sunday
These adjustments ensure that Canadian households receive enhanced support during the summer months, a time when expenses like childcare and travel tend to rise.
New Canada Child Benefit Rates for 2025–2026
| Child Age Group | Maximum Monthly Amount |
|---|---|
| Under 6 years old | $666.41 |
| Age 6 to 17 | $562.33 |
| Child Disability Benefit | Additional $284.25 |
Families earning less than $37,487 annually will receive the full amount, with a gradual reduction based on higher income levels.
Are You Eligible for the CCB?
To qualify for the CCB, you must:
- Be a Canadian resident for tax purposes
- Be the primary caregiver of a child under 18
- File an annual tax return (both parents if applicable)
- Hold legal status (citizen, permanent resident, protected person, or temporary resident for 18+ months)
Even middle- to high-income families may still qualify, although the amount may be reduced.
Additional Support Through the Child Disability Benefit (CDB)
If your child is approved for the Disability Tax Credit (DTC), you may receive an additional $284.25 per month through the Child Disability Benefit. This begins to phase out at a family income of $81,222.
Provincial and Territorial CCB Top-Ups
Several provinces and territories provide automatic additional payments on top of the federal CCB:
| Region | Top-Up Amount (Monthly) |
|---|---|
| British Columbia | Varies (based on BC Family Bonus) |
| Ontario | Ontario Child Benefit |
| Nova Scotia, PEI, NL, NB | Regional child supplements |
| Yukon, NWT, Nunavut | Northern benefits |
Depending on where you live, these can add up to $300 extra per child per month.
How to Apply for the CCB
New parents can apply:
- During birth registration, via automated CRA link
- Through CRA My Account
- By mailing Form RC66 with documentation to the CRA
Remember: both parents must file annual tax returns, even with zero income, to keep receiving payments.
CCB Payment Dates for the Rest of 2025
| Month | Payment Date |
|---|---|
| July | Friday, July 18 (early) |
| August | Wednesday, August 20 |
| September | Friday, September 19 |
| October | Monday, October 20 |
| November | Thursday, November 20 |
| December | Friday, December 12 |
The July 2025 Canada Child Benefit increase arrives at a perfect time for many families navigating summer costs.
With up to $1,250 per child available through combined federal and provincial supports, this month’s payment can help ease financial pressure.
Be sure your tax returns are filed, your child’s disability status (if applicable) is updated, and that your CRA information is current to get the maximum benefit.
FAQs
Is the Canada Child Benefit taxable?
No, the CCB is completely tax-free and does not need to be reported on your income tax return.
Do I need to reapply each year?
No. As long as you file your taxes annually, the CRA automatically calculates your eligibility and benefit amount.
Can high-income families still receive the CCB?
Yes. The benefit gradually reduces based on your adjusted family net income, but many higher-income families still receive a partial payment.