Attention, parents! A financial boost is coming your way this summer, as the Canada Child Benefit (CCB) payment for July 2025 arrives earlier than usual — and with a bigger payout for many families.
Thanks to the new benefit year and a 2.7% inflation adjustment, many households could see their monthly deposit increase significantly, especially if income levels dropped or family size grew in 2024.
Here’s everything you need to know about the enhanced July 2025 CCB, from eligibility and updated payment amounts to how and when the money will land in your account.
What Is the Canada Child Benefit?
The Canada Child Benefit is a monthly, tax-free payment from the federal government designed to help parents and guardians manage the cost of raising children. Administered by the Canada Revenue Agency (CRA), it covers everyday expenses such as child care, school supplies, and household needs.
Launched in 2016, the CCB replaced the old Universal Child Care Benefit and has since become a key source of income support for Canadian families. Payment amounts vary based on:
- Adjusted family net income
- Number and age of children
- Disability status, if applicable
- Provincial or territorial top-ups
Why July’s CCB Payment Is Different
The 2025–26 benefit year kicks off with a 2.7% increase in both CCB payment amounts and income thresholds. For many, this means:
- Higher monthly deposits if income decreased last year
- Extra support for newly expanded families
- Early payment due to July 20 falling on a Sunday — deposits will be made on Friday, July 18
These changes ensure families start their summer with a financial edge to cover seasonal expenses.
Who Qualifies for the CCB?
To receive the Canada Child Benefit, you must:
- Live in Canada and be considered a resident for tax purposes
- Be a Canadian citizen, permanent resident, protected person, or a temporary resident with valid status for at least 18 months
- Be the primary caregiver of a child under 18
There is no strict income cutoff. Even higher-income families may qualify, though they’ll receive reduced amounts. Final benefits are determined by:
- Net household income
- Number of children
- Child ages
- Eligibility for disability support
How to Apply for the Canada Child Benefit
New parents or guardians should apply for the CCB as soon as possible. The easiest method is during birth registration, where you can consent to share details with the CRA.
If not done at birth, you can apply by:
- Logging into CRA My Account and selecting “Apply for child benefits”
- Filing Form RC66 and mailing it to your regional tax office
To maintain eligibility, both parents (if applicable) must file annual tax returns, even with zero income.
When you apply, the CRA also checks if you qualify for provincial or territorial top-ups — no separate application needed.
New 2025–26 CCB Payment Rates
Starting this month, the updated maximum monthly benefit amounts are:
- $666.41 per child under age 6
- $562.33 per child aged 6 to 17
Families with income below $37,487 will receive the full amount. Higher-income families will see a gradual reduction in benefit based on earnings.
Extra Support Through the Child Disability Benefit
If your child qualifies for the Disability Tax Credit (DTC), you may receive an additional $284.25 per month under the Child Disability Benefit (CDB).
This amount begins to phase out once your household income exceeds $81,222.
Provincial and Territorial CCB Top-Ups
Families living in certain provinces or territories may receive additional support through local child benefit programs, which are automatically bundled with the federal CCB.
Extra payments may apply if you reside in:
- British Columbia
- Ontario
- Nova Scotia
- Newfoundland and Labrador
- New Brunswick
- Prince Edward Island
- Yukon, Northwest Territories, Nunavut
Depending on where you live, this can add up to $300 extra per child each month.
Estimate Your Payment: Canada Child Benefit Calculator
To estimate your monthly benefit, use the CRA’s CCB calculator, available online. You’ll need:
- Household income
- Number and ages of children
- Disability status
- Province or territory of residence
The tool includes provincial/territorial top-ups, giving you a complete estimate of what you’re entitled to receive.
Is the Canada Child Benefit Taxable?
No. The CCB is completely tax-free. You do not need to report it as income on your tax return, and it won’t affect any refund or increase the tax you owe.
When Will You Receive the CCB in 2025?
CCB payments are typically deposited on the 20th of each month, unless it falls on a weekend or holiday.
Here are the remaining 2025 payment dates:
- 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