The Canada Revenue Agency (CRA) has officially confirmed that eligible Canadians could receive up to $1,238.99 in July 2025 as an advance payment through the Canada Workers Benefit (CWB).
This refundable tax credit supports low‑income workers, and advanced payments make cash flow more manageable throughout the year. Find out eligibility, amounts, payment schedule, and how to maximize your benefit.
What Is the Canada Workers Benefit (CWB)?
The CWB is a non‑taxable refundable tax credit designed to support working individuals and families with modest incomes . It consists of:
- A basic benefit amount based on income and family status
- A disability supplement for those eligible under the Disability Tax Credit (DTC)
Advance payments of up to 50% of your annual entitlement are issued via the Advanced Canada Workers Benefit (ACWB) in three quarterly installments .
July 2025 Payment and Maximum Amounts
- The second advance installment of the benefit is scheduled on July 11, 2025 .
- For many recipients, the quarterly payment can be up to $1,238.99 (family) or roughly $619 for individuals .
- The annual maximum amount including all advances and final reconciliation can total $1,633 (single) or $2,813 (family), plus up to $843 extra for the disability supplement.
Eligibility Criteria
To qualify for the CWB / ACWB in 2025 (based on your 2024 income):
- Canadian resident for the full year
- Age 19 or older by Dec 31, 2024, or living with spouse/dependent
- Earned at least $3,000 in working income in 2024
- Net income below approximately $37,500 (single) or $49,400 (family)
- Not a full‑time student (unless supporting a dependent), not incarcerated for > 90 days
- For disability supplement: approved Disability Tax Credit (Form T2201) on file
2025 Payment Schedule
Here’s how the advance payments are issued:
| Quarter | Payment Date | Maximum Quarterly Payment |
|---|---|---|
| Q1 2025 | January 10 | Up to ~$1,238.99 (family) / ~$619 (single) |
| Q2 2025 | April 10 | Same as Q1 |
| Q3 2025 | July 11 | Up to $1,238.99 |
| Q4 2025 | October 10 | Same as Q1 |
The remaining balance is paid after filing your 2025 tax return in 2026, reconciling any difference between advance payments and your final entitlement.
How to Claim & Ensure You Get Paid
- File your 2024 income tax return and complete Schedule 6 (CWB)—software does this automatically; paper filers must include it manually.
- Opt‑in for advance payments either via your tax return or through CRA My Account.
- Set up direct deposit in CRA My Account for timely payment delivery.
- Ensure your personal details (address, marital status, banking info) are fully up to date to avoid delays or misdirected payments.
Why It Matters
- The benefit offers meaningful cash flow relief for low‑income workers with quarterly payments.
- It’s non‑taxable and doesn’t affect eligibility for other supports like EI or child benefits.
- Remaining entitlement adjusts post‑filing—so filing your tax return accurately matters.
- The disability supplement adds significant support for Canadians with disabilities.
Canada Workers Benefit advance payments offer up to $1,238.99 on July 11, 2025 for eligible Canadians. To receive it:
- File your 2024 tax return with Schedule 6.
- Opt in for advance payments.
- Keep your CRA My Account details updated (direct deposit, income, status).
If you qualify, this tax‑free refundable benefit can deliver regular cash support throughout 2025, easing financial pressure and rewarding your work. Check your eligibility now and get ready for your July payment.
FAQs
Can I receive the full $1,238.99 in July?
Yes, if your entitlement is large enough (family or higher income benefit) and you meet eligibility—July 11, 2025 is the scheduled second advance payment date.
What if income changes mid‑year?
CRA reconciles changes when you file your 2025 tax return. If advances exceed entitlement, the overpaid amount will be adjusted or recovered.
Does the benefit affect taxes or other credits?
No—CWB is tax‑free, and it does not reduce eligibility for programs like EI or provincial supports.