A significant financial boost is arriving in July 2025 for low- and modest-income Canadians, with increased government benefits under the Advanced Canada Workers Benefit (ACWB), Canada Child Benefit (CCB), and GST Credit.
These enhancements are the result of annual indexation adjustments and new policy changes designed to provide timely economic support to Canadians amid rising living costs.
Let’s explore everything you need to know about the July 2025 payouts, including eligibility, payment amounts, and the exact date you’ll get paid.
What Is the Advanced Canada Workers Benefit (ACWB)?
The Advanced Canada Workers Benefit (ACWB) is an early installment of the Canada Workers Benefit (CWB)—a refundable tax credit that supports low-income individuals and families who are actively working.
Rather than receiving the full benefit at tax time, eligible recipients now get up to 50% of their total CWB in three advance payments throughout the year. These payments are automatically issued based on tax return data, with no additional application required.
When Is the Next ACWB Payment?
The next ACWB payment is set for Friday, July 11, 2025, since the usual date, the 12th, falls on a Saturday.
ACWB July 2025 Payment Amounts
Thanks to a 2.7% indexation increase, the CWB payment amounts have been adjusted upward for the 2025 benefit year:
| Category | Previous Max (2024) | New Max (2025) | Advance Payment (50%) |
|---|---|---|---|
| Single individuals | $1,590 | $1,633 | Up to $816.50 |
| Families (with children) | $2,739 | $2,813 | Up to $1,406.50 |
| Disability supplement | $821 | $843 | Up to $421.50 |
Note: Actual amounts depend on net income, province, and family situation. Quebec, Nunavut, and Alberta have different maximums.
Eligibility for the ACWB July 2025 Payment
You are eligible for the ACWB if:
- You are 19 or older on December 31, 2025, or live with a spouse, common-law partner, or dependent child
- You are a Canadian resident throughout the year
- You have employment or self-employment income
- Your net income is below the threshold set for your province or territory
- You are a resident of Canada on the first day of the quarter
You do not need to apply separately—CRA automatically assesses your eligibility based on your tax return.
How to Estimate Your ACWB Payment
Canadians can use the Child and Family Benefits Calculator on the CRA website to estimate their advance CWB payments. It takes into account:
- Your 2024 income
- Marital status
- Province of residence
- Number of children
If you’ve already filed your 2024 tax return, you’re set to receive your ACWB July payment without further action.
Other Increased Benefits in July 2025
July isn’t just about the CWB. Other government payouts are also increasing:
1. Canada Child Benefit (CCB)
Due to indexation, the maximum monthly CCB payment per child under 6 has increased to $648.91, and for children aged 6–17, it’s now $547.50.
2. GST/HST Credit
The Goods and Services Tax Credit has been adjusted to reflect cost-of-living changes. Eligible Canadians can expect higher quarterly amounts, with the next GST Credit also arriving in July.
Why These Increases Matter
Amid ongoing inflation, housing costs, and food prices, these benefit increases are timely lifelines for millions of Canadians. The government’s decision to issue larger and more frequent payments is aimed at:
- Reducing income inequality
- Preventing debt reliance
- Helping families cover essential expenses
- Boosting economic participation
How to Make Sure You Don’t Miss Your Payment
To ensure smooth delivery of your July 11 ACWB and other benefits:
- File your 2024 tax return ASAP if you haven’t
- Set up direct deposit with CRA
- Update your address and banking details with CRA
- Monitor your CRA MyAccount for payment status
July 2025 is shaping up to be the most generous benefit month yet for low- and moderate-income Canadians. With the Advanced Canada Workers Benefit payment increasing, alongside larger CCB and GST credits, families can expect significant financial relief.
If you meet the criteria, your next deposit could be among the largest you’ve received—without lifting a finger, as long as your tax return is filed.
FAQs
When will the next ACWB payment arrive?
The next Advanced Canada Workers Benefit payment will be issued on Friday, July 11, 2025.
How much can I receive through the ACWB?
Eligible single individuals can receive up to $816.50, while families may receive up to $1,406.50 in advance.
Do I need to apply for ACWB separately?
No. If you’re eligible and have filed your 2024 tax return, the CRA will issue payments automatically.