As the cost of living in Canada continues to rise, many individuals and families are feeling the financial strain.
In response, the Canada Revenue Agency (CRA) has introduced a powerful new initiative—the CRA $3,900 Monthly Payment Program—aimed at supporting low- and moderate-income Canadians with regular monthly assistance.
This guide explains who qualifies, how much you can receive, and how to apply for this much-needed support.
What Is the CRA $3,900 Monthly Payment Program?
The CRA $3,900 Monthly Payment is a recurring financial support program designed to provide monthly relief for eligible Canadians.
The payment helps cover essential living expenses like rent, groceries, transportation, and medical needs. It builds on existing federal aid frameworks while offering larger and more consistent support.
This initiative targets individuals and families who have limited income and are struggling with the ongoing effects of inflation, job instability, and high living costs.
Key Details at a Glance
| Aspect | Details |
|---|---|
| Program Name | CRA $3,900 Monthly Payment |
| Maximum Payment | Up to $3,900/month |
| Eligibility | Low- to moderate-income Canadians, 19+ |
| Application Method | Through CRA My Account |
| Payment Schedule | Monthly (15th–20th of each month) |
| CRA Website | canada.ca/revenue-agency-benefits |
Who Is Eligible for the $3,900 Monthly Payment?
To qualify for this benefit, you must meet specific eligibility criteria:
- Be a Canadian resident for tax purposes
- Be at least 19 years old (some exceptions apply for younger caregivers)
- Have filed your most recent income tax return
- Fall within the low- to moderate-income threshold as defined by CRA
- Have dependents or family obligations that meet the assessment criteria
Your eligibility is automatically assessed using the most recent tax data. Those who haven’t filed their 2024 tax return must do so to be considered.
How Is the $3,900 Amount Calculated?
Not everyone will receive the full $3,900 per month. The actual amount is based on:
- Household income
- Family size, including spouse and children
- Location-based cost of living adjustments
- Existing CRA benefits (e.g., CCB, GST/HST credits)
Here’s a simplified guide:
| Household Situation | Estimated Monthly Payment |
|---|---|
| Single adult, no dependents | $1,200 – $1,800 |
| Single parent with 2 children | $2,800 – $3,900 |
| Dual-income family, 2+ children | $1,500 – $2,500 |
| Couple with no children (low income) | $1,200 – $2,000 |
Note: Exact amounts depend on tax filings and location.
How to Apply for the CRA $3,900 Monthly Payment
Applying for this benefit is straightforward if you follow these steps:
1. File Your Tax Return
The CRA will only assess your eligibility based on your most recent income tax return. File your 2024 return if you haven’t done so yet.
2. Gather Required Documents
Have the following ready:
- T4 slips or self-employment income forms
- Proof of residency (utility bills, lease agreements)
- Dependent details (birth certificates, marital status)
3. Apply via CRA My Account
Log in at My CRA Account. Navigate to the $3,900 Monthly Benefit section and complete the application form.
4. CRA Review & Notification
The CRA will assess your file. If approved, you’ll receive a notification by mail or online, with your payment amount and expected deposit date.
Payment Schedule: When Will You Receive the Money?
Payments are set to begin in 2025 and will follow a monthly cycle, typically between the 15th and 20th of each month. Here’s a projected timeline:
| Month | Payment Window |
|---|---|
| January | Jan 15 – Jan 20 |
| February | Feb 15 – Feb 20 |
| March | Mar 15 – Mar 20 |
| … | Continues Monthly |
Direct deposit is strongly recommended for faster access.
What If You’re Not Eligible?
If you don’t qualify for this specific program, you may still be eligible for:
- Canada Child Benefit (CCB)
- GST/HST Credit
- Old Age Security (OAS) & GIS
- CPP Disability
- Employment Insurance (EI)
- Provincial and territorial aid programs
Visit the CRA Benefits Finder or contact your local community resource centre for alternatives.
The CRA’s $3,900 monthly payment program could be a lifeline for thousands of Canadians dealing with increasing living expenses.
Whether you’re a single parent, a low-income household, or someone struggling to meet essential needs, this benefit is designed to offer long-term support—not just temporary relief.
If you meet the criteria, now is the time to file your taxes, verify your CRA information, and apply promptly. This could be the most impactful financial support of 2025—and you don’t want to miss out.
FAQs
Will the CRA automatically enroll me if I qualify?
No, you must file your taxes and apply through My CRA Account to receive this benefit.
Is this benefit taxable?
No. Like the CCB, the $3,900 payment is non-taxable, meaning you receive the full amount.
Can I apply if I’m already receiving other benefits?
Yes, but the total household income and existing benefits will influence how much of the $3,900 you’re eligible for.