The Canada Child Benefit (CCB) is a tax-free monthly payment designed to help Canadian families raise children under 18. Administered by the CRA, it adjusts annually based on family income and children’s ages, with extra support for children with disabilities.
Payment Amounts (July 2024–June 2025)
For the current benefit cycle (July 2024–June 2025):
| Child’s Age | Max Monthly Payment | Annual Value |
|---|---|---|
| Under 6 | $648.91 | $7,787 |
| Age 6–17 | $547.50 | $6,570 |
Maximum payments apply when adjusted family net income (AFNI) is $36,502 or less. Higher incomes see reduced payments.
Key Payment Dates in 2025
CCB payments arrive monthly around the 20th. Here’s the 2025 schedule:
| Month | Payment Date |
|---|---|
| January | 20 Jan 2025 |
| February | 20 Feb 2025 |
| March | 20 Mar 2025 |
| April | 17 Apr 2025 |
| May | 20 May 2025 |
| June | 20 Jun 2025 |
| July | 18 Jul 2025 |
| August | 20 Aug 2025 |
| September | 19 Sep 2025 |
| October | 20 Oct 2025 |
| November | 20 Nov 2025 |
| December | 12 Dec 2025 |
Expect a deposit on 20 June 2025 for the $648.91 rate per under-6 child.
Who Qualifies for $648.91?
To receive the full benefit, you must:
- Live in Canada and be a CRA tax resident
- Be the primary caregiver for children under 18
- File a 2023 tax return (and partner’s if applicable)
- Have an AFNI of $36,502 or less
- Be a Canadian citizen, permanent resident, protected person, or qualifying temporary resident
Even higher-income families receive reduced benefits on a sliding scale.
How Income Affects the Benefit
Once your AFNI exceeds $36,502, your CCB reduces monthly. Exact deductions depend on:
- Number of children
- Age of each child
- Household income exceeding the threshold
Example: A family with one child under 6 and AFNI of $45,000 would see a slight reduction from the maximum benefit.
What’s Changing July 2025–June 2026
From July 2025, based on 2024 income, the CCB increases:
- Under-6 children: $666.41/month
- Age 6–17 children: $562.33/month
Make sure your 2024 taxes are filed to receive the updated July 2025 rates.
Additional Support: Child Disability Benefit (CDB)
If your child has a Disability Tax Credit (DTC), you can get the CDB, which adds up to $284.25 monthly per child, based on 2024 eligibility and filing.
How to Ensure You Get the Payment
- File your taxes for 2023 and, after July, 2024
- Use direct deposit—update banking info in CRA My Account
- Update CRA records if you have custody changes or moved
- Enroll in CRA reminders to get notified before payment dates
- Create a CRA My Account if you don’t already have onet
FAQs
1. Will I receive the full $648.91 per month?
Only if your AFNI is $36,502 or less and you have a child under 6. Higher income results in reduced payment.
2. What if my income changes mid-year?
CCB recalculates annually in July based on the prior year’s income. Mid-year changes won’t affect benefits until July.
3. When is the next payment?
The next $648.91 payment is on 20 June 2025. This is the last at this cycle’s rate.
4. Do I have to reapply every year?
No. You must file annual taxes and update CRA when changes happen. No new application is needed.
5. Is CCB taxable?
No. It’s a non-taxable benefit and does not affect other federal/provincial benefits.
Final Thoughts
The Canada Child Benefit is a valuable monthly support for Canadian families. With payments up to $648.91 per under-6 child arriving on June 20, 2025, families should:
- Confirm direct deposit information
- File taxes for 2023 and 2024
- Prepare for increased rates in July
Additional Child Disability Benefit provides even more support where applicable. Stay organized and updated, and your payments will help manage the rising costs of raising children in 2025.