Families across Canada are set to receive welcome financial relief in 2025 through a new federal initiative — the Canada Family Benefit (CFB). Starting in July, eligible families with children under 18 will begin receiving $445 per month, designed to support rising child-rearing costs and reduce child poverty nationwide.
This article walks you through everything you need to know — who qualifies, when payments will be made, and how to claim the benefit. Whether you’re new to child benefits or already receiving support, here’s how to make the most of the CFB.
Table of Contents
Overview
Here’s a quick summary of the new benefit:
| Key Points | Details |
|---|---|
| Benefit Amount | $445 per month per eligible family |
| Target Group | Families with children under 18 |
| Eligibility | Based on residency, income, and enrollment in CCB |
| Application | File taxes, register for CCB, keep info updated with CRA |
| Payment Schedule | Starts July 20, 2025 and continues monthly |
| Administered By | Canada Revenue Agency (CRA) |
The CFB builds on the success of existing programs and focuses on delivering financial support where it’s needed most — lower- and middle-income families.
Canada Family Benefit
The Canada Family Benefit is a new monthly payment introduced by the federal government to help families manage the rising costs of raising children. At $445 per month, it provides significant financial assistance aimed at:
- Supporting child development
- Reducing poverty
- Helping parents cover essentials like food, housing, and education
Unlike the previous Universal Child Care Benefit (UCCB), which paid a flat rate regardless of income, the CFB is income-based. This means the support is better targeted to those who need it most.
How It Works
The Canada Family Benefit is income-tested, so the amount your household receives depends on your annual income. Lower-income families will receive the full $445 per month, while higher-income families may receive less — or none.
It’s paid monthly, directly into the bank account of the primary caregiver, and often alongside existing child benefits such as the Canada Child Benefit (CCB).
To receive the CFB, families must keep their tax filings up to date, ensure enrollment in the CCB, and meet residency and income criteria.
Impact
This benefit is expected to have a real impact on families, especially those living in cities where the cost of living is highest. From groceries to school supplies and after-school programs, the CFB can help parents stay ahead of growing expenses.
For example, a family with two children may receive nearly $10,680 per year, offering crucial support as prices continue to rise.
Eligibility
To qualify for the CFB, you need to meet these requirements:
1. Residency
You must be a Canadian resident and typically live in Canada at least 183 days a year.
2. Children Under 18
You must have dependent children under the age of 18.
3. Income
The benefit is reduced for families earning above specific income thresholds. While the exact limits may vary, families earning under $35,000 annually may qualify for the full amount.
4. Tax Filing
You must file your taxes each year, even if you have no income. The CRA uses tax returns to calculate your benefit amount.
5. Enrollment in the CCB
If you’re not already receiving the Canada Child Benefit, you’ll need to apply. If you’re already enrolled, you’ll automatically be considered for the CFB.
Payment Schedule
Payments will begin July 20, 2025, and continue on the 20th of each month. If the 20th falls on a weekend or holiday, payments will be made on the nearest business day.
Here are the expected payment dates for 2025:
| Month | Payment Date |
|---|---|
| July | July 20 |
| August | August 20 |
| September | September 20 |
| October | October 20 |
| November | November 20 |
| December | December 20 |
Payments will be made via direct deposit or cheque, depending on what you’ve set up with the CRA.
How to Claim
Follow these steps to ensure you receive your Canada Family Benefit:
Step 1
Your eligibility is based on your latest tax return. File your taxes each year, even if you have no income.
Step 2
If you’re not already registered for the CCB, apply via CRA My Account or submit Form RC66.
Step 3
Update the CRA if your family size, marital status, or income changes. This ensures your payments are accurate and uninterrupted.
Step 4
Get your payments faster by signing up for direct deposit through your CRA account.
Step 5
Keep track of your payment history and report any discrepancies promptly. You can access this info via your CRA account.
Comparison to Other Benefits
| Benefit Name | Amount | Income-Based | Target Group |
|---|---|---|---|
| Canada Family Benefit | $445/month | Yes | Families with children |
| Canada Child Benefit | Up to $7,437/year | Yes | Families with young children |
| Universal Child Care | Discontinued | No | All families (pre-2016) |
The CFB complements existing benefits like the CCB, offering even more targeted support to reduce child poverty.
Additional Support
In addition to the CFB, families may qualify for:
- Canada Child Benefit (CCB)
- Tax-Free Savings Account (TFSA)
- Canada Learning Bond
- Canada Student Loan Program
These programs can help you save, pay for education, or access support during tough times.
FAQs
When do CFB payments start?
Payments begin on July 20, 2025, and continue monthly.
How much is the monthly CFB?
Eligible families may receive $445 per month.
Do I need to apply separately for CFB?
No, enrollment in the CCB automatically qualifies you.
Is the CFB income-tested?
Yes, lower-income families receive the full benefit.
What if my income changes?
Update your info with CRA to adjust your payments.
