Low-income workers across Canada can expect a financial boost this month, as the Canada Workers Benefit (CWB) is set to return with its second advance payment for 2025. If you filed your 2024 taxes and met the criteria, you may receive up to $1,633 from the CRA starting July 12, 2025.
Here’s everything you need to know about the Canada Workers Benefit July 2025 payment — including eligibility, payment dates, benefit increases, and the full breakdown of amounts.
Table of Contents
What is the Canada Workers Benefit?
The Canada Workers Benefit is a refundable tax credit designed to support low-income working Canadians by supplementing their income. The benefit encourages workforce participation while helping people keep more of their earnings.
It consists of two components:
- Basic Amount
- Disability Supplement (for those eligible under the Disability Tax Credit)
The CWB is paid in two ways:
- As a refundable tax credit when you file your tax return
- As advance payments, sent three times per year (January, July, and October)
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CWB July 2025 Payment Date
- Deposit Date: Friday, July 11, 2025
- Issued By: Canada Revenue Agency (CRA)
- Payment Type: Advance payment (50% of estimated 2025 CWB amount)
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CWB Amounts for 2025
Your total Canada Workers Benefit depends on your family income, marital status, and whether you are eligible for the disability supplement.
Singles (No Dependents)
- Maximum Basic Amount: $1,633
- July Advance Payment: Up to $795
Families (Couples or Single Parents)
- Maximum Basic Amount: $2,813
- July Advance Payment: Up to $1,369.50
Disability Supplement (Per Eligible Individual)
- Maximum Supplement: $821
- July Advance Payment: Up to $410.50
Total Potential July Payment:
- Family of Two with Disability: $1,369.50 + $263 (one disability) or $410.50 (per person)
- Maximum Possible Combined: Up to $1,633 for eligible households
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Who Qualifies for the Canada Workers Benefit in July 2025?
To be eligible for the CWB July 2025 advance payment, you must:
General Criteria:
- Be a Canadian resident on July 1, 2025
- Be 19 or older, or living with a spouse/common-law partner or child
- Have working income
- Filed your 2024 income tax return
Income Thresholds:
| Status | Maximum Net Income to Qualify |
|---|---|
| Single | Up to $36,749 |
| Family | Up to $48,093 |
Disability supplement thresholds are slightly higher.
If your income exceeds these thresholds, your benefit is gradually reduced and eventually phased out.
How Advance Payments Work
The CRA issues 50% of your estimated annual CWB in advance, divided over:
- January 12
- July 12
- October 11
The remaining 50% is reconciled when you file your 2025 taxes next year.
You do not need to apply separately for advance payments — if you were eligible in 2024 and filed your tax return, the CRA calculates and sends your advance automatically.
What Changed in 2025?
- Maximum payment amounts increased to account for inflation.
- Some recipients are receiving larger advances due to income changes or new eligibility for the disability supplement.
- The $1,633 figure represents the maximum possible July payment for households eligible for both the family and disability components.
Example Scenarios
| Household Type | July 2025 Payment |
|---|---|
| Single worker, no disability | Up to $795 |
| Couple with children | Up to $1,369 |
| Single parent with disability | Up to $1,205 |
| Couple (both with disabilities) | Up to $1,633 |
How to Check Your CWB Status
You can verify your CWB advance eligibility and expected payment by logging into your CRA My Account or calling 1-800-959-8281.
Make sure your:
- 2024 tax return is filed
- Direct deposit info is updated
- Disability Tax Credit status is approved (if applicable)
Is the CWB Taxable?
No. The Canada Workers Benefit is not taxable. You do not need to report it as income, and it will not affect your other benefits or tax refund.
Final Thoughts
If you’re a low-income worker in Canada, July 11, 2025, could bring a much-needed cash boost of up to $1,633 — thanks to the Canada Workers Benefit July 2025 payment.
Even if you didn’t receive the January payment, you may still be eligible in July, especially if your income or family situation changed. Be sure to check your CRA account and stay informed — it could mean hundreds of dollars in your pocket.