If you’re raising children in Canada, there’s good news coming your way in 2025. The Canada Child Benefit (CCB) is increasing, with families receiving up to $7,787 per child under age 6 and $6,570 per child aged 6 to 17. That’s a serious financial boost — and the best part? It’s tax-free and paid out monthly to help you cover everyday costs like food, clothing, housing, school supplies, and more.
In this guide, we’ll walk you through everything you need to know about the July 2025 CCB, including who qualifies, how much you could get, when to expect payments, and how to apply.
Overview
| Feature | Details |
|---|---|
| Maximum Annual Benefit | $7,787 (under 6), $6,570 (ages 6–17) |
| Eligibility Age | Child must be under 18 |
| Key Requirement | Must be a Canadian resident, primary caregiver |
| Max Benefit Income Threshold | Up to $36,502 |
| Payment Frequency | Monthly |
| Next Payment Date (2025) | July 17, 2025 |
| Official Info Source | Canada Revenue Agency (CRA) |
Canada Child Benefit
The Canada Child Benefit (CCB) is a monthly, tax-free payment to help eligible families manage the cost of raising children. It was introduced in 2016 to replace a patchwork of earlier benefits. Each July, the amount is adjusted for inflation and recalculated based on your previous year’s tax return.
The CCB is income-tested, meaning lower- and middle-income families receive more money. And it doesn’t matter if you’re employed, self-employed, or currently out of work — you could still qualify.
How Much Will You Receive?
For the 2024–2025 benefit year (starting July 2024), the maximum benefit is:
- $7,787 per year for each child under 6
- $6,570 per year for each child aged 6 to 17
These totals are split into 12 monthly payments. If your income is above certain thresholds, your payments are reduced gradually.
Estimated Annual Benefit Based on Family Income
| Family Net Income | Child Age | Estimated Annual Benefit |
|---|---|---|
| $30,000 | 3 years | $7,787 |
| $30,000 | 12 years | $6,570 |
| $65,000 | 5 years | ~$5,000 |
| $100,000 | 7 years | ~$2,000 |
| $130,000 | 15 years | ~$500 |
Even families earning over $100,000 may receive partial benefits — so don’t assume you’re ineligible based on income alone.
Who Is Eligible?
To qualify for the CCB, you must meet all of the following:
- Live with the child — and be primarily responsible for their care.
- Child must be under 18 — payments stop the month after their 18th birthday.
- Be the primary caregiver — typically the parent or legal guardian.
- Be a Canadian resident — and one of the following:
- Canadian citizen
- Permanent resident
- Protected person (e.g. refugee status)
- Temporary resident (18+ months in Canada)
- Status Indian under the Indian Act
Both newcomers to Canada and long-time residents can apply if they meet the criteria.
When Are CCB Payments Made?
CCB payments are issued around the 20th of each month. Here are some 2025 payment dates:
- January 20
- February 20
- March 20
- May 20
- June 20
- July 17
- August 20
- September 20
If the 20th falls on a weekend or holiday, payment may be issued on the previous business day. Direct deposit is the fastest way to receive your money.
How to Apply for the CCB
- Log in to your CRA My Account
- Go to “Apply for child benefits”
- Fill out and submit the online form
Register at Birth
Most provinces allow you to check a box when registering your baby’s birth to automatically apply for CCB.
Paper Application (Form RC66)
- Download the RC66 form
- Mail it to the CRA along with any required documents
- Ideal for newcomers or complex family situations
Tips to Maximize Your CCB
- File Your Taxes Every Year – Even if you earned no income
- Keep CRA Updated – Report changes in marital status, custody, or income
- Use Direct Deposit – To avoid postal delays
- Track Your Benefits – Use CRA’s mobile app or website
- Apply Early – Especially if you’ve just moved to Canada or had a child
Extra Help
If your child qualifies for the Disability Tax Credit, you may also receive the Child Disability Benefit (CDB) — up to $3,173 extra per year.
To get this, your child must be approved for the DTC. You’ll then automatically receive CDB with your monthly CCB payments.
FAQs
How much CCB will I get in 2025?
Up to $7,787 per child under 6 or $6,570 for ages 6–17.
When is the next CCB payment?
The July 2025 payment date is July 17, 2025.
Do I need income to qualify?
No, but you must file a tax return to be eligible.
Can newcomers to Canada apply?
Yes, if you’ve been in Canada for 18+ months with valid status.
Is CCB taxable income?
No, the Canada Child Benefit is completely tax-free.
