July is shaping up to be a big month for government payments in Canada — and for many people, that could mean more money landing in your account.
As the new 2025 benefit year kicks off, the Canada Revenue Agency and Service Canada are rolling out updated and even new payments across multiple federal programs.
Thanks to an annual inflation adjustment, several income-tested benefits are seeing a 2.7% boost — and because payments are now being calculated based on your 2024 tax return, your eligibility or payout could look very different starting this month.
From help with groceries to support for working families and seniors, there are eight major government benefits flowing in July 2025. Plus, for the first time, a brand-new monthly payment is joining the mix: the Canada Disability Benefit.
Whether you’re a longtime recipient of government payments or wondering if you could be newly eligible, here’s everything to know about Canada’s July 2025 government benefits — including what you’re eligible for, how much you can get and when the cash will show up.
GST/HST Credit
The GST/HST Credit is a quarterly payment from the Canada Revenue Agency that’s meant to give lower- and modest-income Canadians a bit of relief from the rising cost of goods and services. It’s a tax-free amount issued every three months to help offset the goods and services tax (GST) or harmonized sales tax (HST) you pay throughout the year — and some provinces and territories even top it up with their own credits.
If you’re eligible, you don’t need to fill out a separate application — just file your taxes and the CRA will automatically assess whether you qualify. You typically need to be at least 19 years old, but if you’re younger and live with a spouse, common-law partner or child, you could still be eligible. You must also be considered a Canadian resident for tax purposes both before and at the start of the month your payment is issued.
How much you can get: The new benefit year kicks off in July 2025, and payments are increasing. If you’re single, you could now receive up to $133.25 this quarter. Couples can get up to $174.50 quarterly, and parents can also get up to $46 per child under 19.
Eligibility is now based on your 2024 tax return, and the income threshold has been adjusted too — the phase-out now starts at $45,521 of adjusted family net income.
Next payment date: July 4, 2025
Ontario Trillium Benefit
If you live in Ontario and are feeling the pinch from rising housing and energy costs, the Ontario Trillium Benefit (OTB) could bring some much-needed relief. This monthly payment combines three provincial tax credits into one: the Ontario Energy and Property Tax Credit (OEPTC), the Northern Ontario Energy Credit (NOEC) and the Ontario Sales Tax Credit (OSTC).
Although it’s paid out by the CRA, the money comes from the Ontario government — and eligibility is based on your 2024 tax return for this new benefit year starting in July.
How much you can get: The amounts are going up this year. Here’s what you could receive each month:
- OEPTC: Up to $106.91 per month if you’re 18 to 64, or up to $121.75 if you’re 65 or older, plus up to $23.75 if you live on a reserve or in a public long-term care home
- NOEC: Up to $15.41 per month if you’re single, or up to $23.75 for families
- OSTC: Up to $30.91 each for you, your spouse or common-law partner and each dependent child under 19
If your total annual benefit is $360 or less, you’ll receive the full amount for the year in one single payment in July.
Next payment date: July 10, 2025
Advanced Canada Workers Benefit
The Advanced Canada Workers Benefit (ACWB) gives eligible workers a head start on their tax refund, with payments sent out in advance instead of waiting for tax season. This refundable tax credit helps low-income Canadians who are earning a wage but still struggling to make ends meet.
Rather than waiting for your full Canada Workers Benefit (CWB) at tax time, you can get 50% of it paid in three advance instalments — in July, October and January. To qualify, you need to be at least 19 years old by the end of the year (or live with a spouse, common-law partner or child), have earned income under your province’s limit and be a resident of Canada all year.
How much you can get: For July 2025, the updated maximum amounts you can get in each advance payment are:
- Up to $265 if you’re single
- Up to $456.50 for couples or families
- An extra $136.83 if you qualify for the disability supplement
Payments and eligibility vary slightly for residents of Alberta, Quebec and Nunavut.
The CWB has been bumped up more than most other benefits this year — a 4.7% increase — because its payment structure is tied to the 2023 inflation rate. Income limits have also been adjusted, so if you were previously ineligible, it’s worth checking again.
Next payment date: July 11, 2025
NEW: Canada Disability Benefit
There’s a new federal benefit starting this July, aimed at supporting low-income adults with disabilities across Canada. If you’re between 18 and 64 and have already been approved for the Disability Tax Credit (DTC), you could soon see monthly payments land in your account through the new Canada Disability Benefit (CDB).
To get your first payment on time in July, your application must be submitted and approved by June 30. You can apply online, by phone or in person at a Service Canada location. If your application hasn’t been approved yet by the deadline, don’t stress! You’ll receive back payments for any you were eligible for but missed.
How much you can get: The CDB is managed by Service Canada and offers up to $200 per month, or $2,400 annually. But because it’s income-tested, your actual payment depends on how much you earn and whether you’re part of a couple.
If your total yearly amount comes out to less than $240, you’ll receive a single annual lump sum instead.
First payment date: July 17, 2025
Canada Child Benefit
Parents and guardians across Canada will see a bump in their monthly Canada Child Benefit (CCB) starting in July, as the new benefit year kicks in. This tax-free payment from the Canada Revenue Agency is designed to help cover the costs of raising children.
To qualify, you must live with a child under 18, be primarily responsible for their care and be a Canadian resident for tax purposes. Either you or your spouse or common-law partner must also meet certain status criteria, such as being a Canadian citizen, permanent resident or protected person.
How much you can get: With the July 2025 update, the maximum monthly amounts are going up, and you can now get up to:
- $666.41 for each child under age 6
- $562.33 for each child aged 6 to 17
These totals are based on a 2024 adjusted family net income under $37,487. If your income is higher, the benefit gradually decreases.
Some families may also qualify for additional support from provincial top-ups or the Child Disability Benefit, which is also increasing. Parents of children who qualify for the Disability Tax Credit (DTC) can now get up to an additional $284.25 per month in their CCB payments through the Child Disability Benefit.
Next payment date: July 18, 2025
Canada Pension Plan
The Canada Pension Plan (CPP) provides monthly retirement income to Canadians who contributed to the plan during their working years. It’s meant to replace part of your income after you stop working, and how much you receive depends on how long and how much you paid into the plan.
If you worked in Quebec, you’d receive payments through the Quebec Pension Plan (QPP), which functions similarly but has its own set of rules.
You can start collecting CPP as early as age 60, as long as you’ve made at least one valid contribution — either through employment or by receiving pension credits during a divorce or separation.
How much you can get: The amount you receive varies from person to person. For someone who started collecting at age 65 in 2025, the maximum monthly payment is $1,433, though the average is closer to $900 per month. You can check your own projected payments using the tools in your My Service Canada Account.
This benefit was already updated for inflation back in January, so there’s no increase in July.
July payment date: July 29, 2025
Old Age Security
Old Age Security (OAS) is a monthly payment from the federal government that supports seniors 65 and older — no work history required. Unlike the CPP, you don’t need to have paid into a plan to qualify. Your eligibility is based on your age, income and how long you’ve lived in Canada.
To get OAS, you must be 65 or older and have spent at least 10 years in Canada after turning 18. If you’re living abroad, that minimum jumps to 20 years. Most people are enrolled automatically, but if you don’t get a letter from Service Canada by your 64th birthday, it’s worth following up.
The program also includes extra supports for low-income seniors:
- Guaranteed Income Supplement (GIS) for OAS recipients with little or no other income
- Allowance for low-income spouses or common-law partners aged 60 to 64
- Allowance for the Survivor for widowed spouses in that same age range
How much you can get: OAS payments are reviewed quarterly to ensure they’re keeping up with inflation, so an increase in July is not a yearly guarantee — but Service Canada has announced one is coming this time. Starting in July 2025, OAS payments are increasing by 1% to reflect inflation.
The new payment amounts will be officially announced in early July, but based on the current maximums and an increase of 1%, you can likely expect roughly the following maximum monthly payments:
- OAS: $734.95 if you’re 65 to 74, or $808.44 if you’re 75 or older
- GIS: $1,097.75 if you’re single or your partner doesn’t get OAS, or $660.77 if your partner receives OAS or an Allowance
- Allowance: $1,395.72 if your spouse gets OAS and GIS, or $1,663.81 if you’re a widow
July payment date: July 29, 2025
Veteran Disability Pension
The Veteran Disability Pension provides lifelong monthly payments to veterans whose disabilities are directly related to their military service. It’s a way for the federal government to recognize the lasting impact of injuries or illnesses that occurred during training, active duty or deployment.
This benefit is managed by Veterans Affairs Canada and is available to Canadian Armed Forces veterans, Second World War and Korean War veterans, certain RCMP members and even some civilians who participated in wartime efforts during the Second World War.
To qualify, you must have a diagnosed medical condition that can be clearly linked to your service. Once approved, your payments continue for life, and additional support may be available for spouses or dependants.
How much you can get: Payment amounts vary based on the severity of your disability. As of 2025, the maximum monthly amount for the most severe (Class 1) disabilities is $3,444.59. If you have dependants, your total payment could be higher.
Like the CPP, this benefit isn’t income-tested and was already adjusted for inflation back in January, so it won’t be getting an increase in July
July payment date: June 30, 2025
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