Canadian families are getting ready for their next round of financial relief as the enhanced Canada Child Benefit (CCB) rolls out for July 2025. With inflation pushing household budgets to the limit, the Canada Revenue Agency (CRA) is stepping in again to help parents cover the rising costs of raising kids. The updated CCB now offers up to $619 a month for each child under six, giving families some breathing room.
Let’s break down what’s new, who qualifies, and when those payments are coming.
Table of Contents
Increases
The big headline? Families with children under six could now receive up to $619 each month, while those with children aged 6 to 17 can receive as much as $522. This increase reflects annual adjustments to account for inflation and economic shifts, helping to keep the benefit in line with real-world expenses.
The CCB is tax-free, so families don’t need to worry about losing part of the payment come tax season. That money goes straight to essentials like groceries, school supplies, and even childcare costs.
Schedule
Timing matters, especially when you’re budgeting for monthly expenses. The CRA releases CCB payments around the 20th of each month. Here’s the full schedule for 2025, so you know when to expect the money:
| Month | CCB Payment Date |
|---|---|
| July 2025 | July 19, 2025 |
| August 2025 | August 20, 2025 |
| September 2025 | September 20, 2025 |
| October 2025 | October 18, 2025 |
| November 2025 | November 20, 2025 |
| December 2025 | December 19, 2025 |
Just remember, deposit times can vary slightly depending on your bank.
Eligibility
To receive the CCB, you need to meet a few basic requirements:
- You live with the child and are the primary caregiver.
- Both you and your spouse or partner must be Canadian residents for tax purposes.
- You’ve filed your 2024 tax return.
Your family’s 2024 income plays a big role in how much you receive. If your income is under $34,863, you’ll likely get the full benefit. As your income rises above that threshold, the CCB gradually decreases using a tiered formula.
Calculation
Wondering how your payment amount is figured out? The CRA uses a few key factors:
- Number of children you have.
- Their ages.
- Your adjusted family net income (AFNI).
Let’s say you have two kids under six and a family income of $32,000. You’d likely get the full $619 for each child—adding up to $1,238 per month. If your income is higher, the payment will drop depending on how far over the threshold you are.
This benefit is recalculated every July using your latest income tax return, so keeping up with taxes is crucial. Filing late or forgetting to update your info with the CRA can delay or reduce your payments.
Tips
If you want to make sure you’re getting the most from your CCB, here’s what you should do:
- File your taxes on time—every year.
- Use the CRA’s online CCB calculator to get an estimate.
- Keep your address, marital status, and child custody info current with the CRA.
Even small changes in your household can impact your benefits.
With the updated Canada Child Benefit in full swing for July 2025, families can breathe a little easier. The higher payments, simple schedule, and clear eligibility criteria make it easier to budget and plan ahead. As long as you stay up to date with the CRA and keep your income taxes in order, this benefit can provide meaningful financial support throughout the year.
FAQs
How much is CCB for July 2025?
Up to $619 per child under 6; $522 for ages 6 to 17.
When is the July 2025 CCB payment?
Scheduled for July 19, 2025.
Is CCB taxable income?
No, the CCB is completely tax-free.
What affects my CCB amount?
Your income, number of children, and their ages.
Do I need to reapply each year?
No, just file your taxes yearly to stay eligible.
