Starting in July 2025, several major federal benefits in Canada will increase, thanks to the Canada Revenue Agency’s (CRA) annual inflation adjustment. For the 2025–26 benefit year, the adjustment is set at 2.7%, helping low- and modest-income Canadians keep up with rising living costs.
These changes apply to multiple programs like the GST/HST Credit, Canada Child Benefit (CCB), and Canada Workers Benefit (CWB), and also include the rollout of a new support program — the Canada Disability Benefit.
Payments are recalculated each July using the latest tax return — in this case, your 2024 filing. So, if your income, marital status, or number of children changed last year, your benefits might shift noticeably. Here’s a breakdown of what to expect.
GST/HST
The Goods and Services Tax/Harmonized Sales Tax Credit offers tax-free quarterly payments to help Canadians handle the added cost of sales taxes. From July 2025, the amounts will increase in line with inflation.
Here are the updated annual maximums:
- $533 for single individuals
- $698 for couples
- $184 per child under 19
The income threshold for phasing out the credit has also been raised to $45,521. This means more people may qualify or receive higher payments than before. The first payment under the new rate lands on Friday, July 4, 2025.
CWB
The Canada Workers Benefit helps low-income Canadians who are working. It includes a basic benefit and a disability supplement and is delivered partly through tax refunds and partly through advance payments spread across the year.
For 2025, the maximum basic amounts will increase by 4.7%:
| Category | Maximum Annual Amount | Phase-Out Begins | Cut-Off Point |
|---|---|---|---|
| Single (no children) | $1,590 | $26,149 | $36,749 |
| Families | $2,739 | $29,833 | $48,093 |
| Disability Supplement | $821 | Based on above | Based on above |
Advance payments for 2025–26 will be made in July, October, and January. The first payment will arrive on Friday, July 11, 2025.
CCB
The Canada Child Benefit is a tax-free monthly payment for families raising children under 18. For the 2025–26 cycle, it’s going up again.
Updated amounts are:
| Child Age Range | Monthly Maximum | Annual Maximum |
|---|---|---|
| Under 6 years old | $666.41 | $7,997 |
| Age 6–17 | $562.33 | $6,748 |
To receive the full benefit, your family’s net income must be under $37,487. Above this, the payment decreases gradually. The updated benefit will be deposited starting July 18, 2025.
CDB (Children)
If your child qualifies for the Disability Tax Credit, your family will also get the Child Disability Benefit — an extra monthly boost added to your CCB.
Starting July 2025:
- Monthly: $284.25
- Annually: $3,411
The benefit begins to decrease once your adjusted family income exceeds $81,222. The payment will be included in the CCB deposit on July 18.
| Benefit Name | Monthly Max | Annual Max | Eligibility Notes |
|---|---|---|---|
| Canada Child Benefit | $666.41 / $562.33 | $7,997 / $6,748 | Based on age of children and household income |
| Child Disability Benefit | $284.25 | $3,411 | Child must qualify for Disability Tax Credit |
OAS
Old Age Security (OAS) supports Canadians aged 65 and older. It is reviewed quarterly to reflect inflation.
From July to September 2025, expect a 1% increase on top of last year’s 2.3% rise. While final amounts will be confirmed in July, estimates suggest:
- $734.95 per month for seniors aged 65–74
- $808.44 per month for seniors aged 75+
The next OAS payment under the new rate will be sent out on Tuesday, July 29, 2025.
CDB (Adults)
The new Canada Disability Benefit, launching in July 2025, is set to help working-age adults with disabilities. It addresses a long-standing gap in federal support.
Highlights include:
- Monthly maximum: $200
- Annual maximum: $2,400
- Available to Canadians aged 18 to 64 who qualify for the Disability Tax Credit
To qualify, you must:
- Be a Canadian resident
- File your 2024 income tax return
- Have a valid Disability Tax Credit approval
Final application details and payment dates are expected soon. This benefit aims to reduce poverty among Canadians with disabilities and expand economic support for this often-overlooked group.
July 2025 marks an important turning point for federal support programs in Canada. With inflation-adjusted increases and a brand-new benefit for disabled adults, more people will have access to meaningful financial support.
Whether you’re a parent, worker, retiree, or person with a disability, these updates are designed to help you cope with rising costs and plan ahead with greater confidence.
FAQs
When do the new benefits start?
Most begin with July 2025 payment cycles.
How much is the new Canada Disability Benefit?
Up to $200 per month, or $2,400 annually.
What’s the GST/HST Credit for singles?
Up to $533 per year, increasing in July.
When is the first CCB payment with new rates?
July 18, 2025.
Who qualifies for the Child Disability Benefit?
Children approved for the Disability Tax Credit.
