As of May 2025, Canadian families are preparing for another annual adjustment to the Canada Child Benefit (CCB), set to take effect in July. This increase, aligned with inflation, is part of the federal government’s commitment to supporting low- and middle-income families facing rising living costs. The CCB is a tax-free monthly payment designed to help families with the cost of raising children under 18. If you’re wondering how much more you’ll receive this year per child and what that means for your household budget, here’s everything you need to know.
Why the Canada Child Benefit Is Adjusted Each Year
The Canada Child Benefit undergoes an annual recalibration every July, indexed to inflation as measured by the Consumer Price Index (CPI). This ensures the benefit keeps pace with the cost of living. In the past year, Canada has seen moderate but steady inflation in housing, food, and childcare. The updated CCB for July 2025 reflects these economic changes, offering families an increase that helps offset day-to-day expenses.
For the 2025-2026 benefit year, eligible families will see a boost of up to $140 more per child annually. While this may seem modest, it can be a valuable support in combination with other federal and provincial programs. The new maximum annual benefit per child under 6 years old will rise to approximately $7,720, while for children aged 6 through 17, the maximum will increase to around $6,570.
Updated Payment Table for July 2025
Child’s Age |
Previous Annual Max (2024) |
New Annual Max (2025) |
Difference |
|---|---|---|---|
Under 6 years old |
$7,620 |
$7,720 |
+$100 |
6 to 17 years old |
$6,490 |
$6,570 |
+$80 |
These figures are based on full entitlement, which applies to families with adjusted net incomes under approximately $34,000. Above that threshold, benefits are gradually reduced based on income levels.
Who Is Eligible and How the Increase Applies
The CCB is available to Canadian residents who are primarily responsible for the care and upbringing of a child under 18. Eligibility does not change with the increase; however, the amount you receive is still determined by your adjusted family net income (AFNI) from the previous year. The Canada Revenue Agency (CRA) automatically reassesses payments annually in July based on filed tax returns.
If your family income has changed significantly in 2024, it will impact your 2025-2026 CCB amounts. Households that didn’t file taxes by the May 1, 2025 deadline may see delays or interruptions in their benefit payments. It’s crucial to keep your information up to date with CRA to avoid issues in receiving the increased amounts.
What This Increase Means for Families
For many families, even a $100 increase per child annually adds up over time, especially for households with multiple children. For example, a family with three children under 6 could receive up to $300 more per year. This extra support can be used for school supplies, child care, groceries, or extracurricular activities.
While the increase won’t eliminate financial strain entirely, it represents a continued recognition by the federal government of the need to adjust social programs in line with real economic conditions. For families managing tight budgets amid inflation, this annual top-up is not just symbolic—it’s practical.
When and How Payments Will Be Received
The updated rates will take effect with the July 2025 CCB payment, scheduled for July 19, 2025. Payments are made monthly, typically on or around the 20th of each month. They are issued via direct deposit or mailed cheques, depending on your CRA account preferences. Any retroactive adjustments, if applicable, will also be reflected in this cycle.
If you’re unsure how much you’ll receive, the CRA’s My Account portal provides up-to-date personalized estimates based on your income and family profile.
Conclusion
The Canada Child Benefit increase in July 2025 offers modest but meaningful support to families across the country. With adjusted rates rising in line with inflation, families can expect up to $140 more per child annually. The key to maximizing your benefit is staying current with tax filings and income reporting to ensure uninterrupted, accurate payments. As costs of living continue to climb, programs like the CCB remain essential pillars of family financial stability in Canada.
FAQs
What is the Canada Child Benefit?
The Canada Child Benefit (CCB) is a tax-free monthly payment provided by the federal government to assist families with the cost of raising children under 18 years of age.
When does the new increase take effect?
The updated payment rates begin in July 2025, with the first increased installment expected on July 19, 2025.
How much more will I receive per child?
Eligible families will receive up to $100 more per child under 6, and up to $80 more for children aged 6–17, annually.
Is the CCB increase automatic?
Yes, as long as your 2024 tax return is filed and your CRA account is current, the increase will be applied automatically starting in July.
What if I miss the tax filing deadline?
Missing the tax filing deadline may result in delayed or suspended payments. It’s essential to file by May 1, 2025, to avoid interruptions.
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