A new cycle of government financial support is rolling out this July, and if you’re a low-income worker in Canada, you could be in line for a Canada Workers Benefit (CWB) payment of up to $600. The Canada Revenue Agency (CRA) has confirmed that the first Advanced Canada Workers Benefit (ACWB) payment of the new benefit year will be issued next Friday, July 11, 2025.
This year’s advance payment is getting a notable boost, thanks to annual inflation adjustments and changes to eligibility based on your 2024 tax return. The result? More money in the pockets of working Canadians who need it most.
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What is the Canada Workers Benefit?
The Canada Workers Benefit is a refundable tax credit that helps working Canadians with low or modest incomes. It’s designed to reduce poverty among the working population by topping up earnings with direct government support.
The benefit includes two components:
- A basic amount for eligible individuals and families
- A disability supplement for workers who qualify for the Disability Tax Credit (DTC)
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What is the Advanced Canada Workers Benefit?
The Advanced Canada Workers Benefit (ACWB) provides early access to 50% of the full annual CWB amount through three quarterly payments. Instead of waiting for your tax refund, the CRA sends this money throughout the year — in July, October, and January — helping eligible workers better manage cash flow.
To receive advance payments, you don’t need to apply separately. If your 2024 tax return shows that you qualify for the CWB and is filed by November 1, 2025, the CRA will automatically issue the payments.
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Who is Eligible for the Canada Workers Benefit in July 2025?
To qualify for the Canada Workers Benefit, you must meet the following conditions:
- Be a resident of Canada for the entire tax year
- Be 19 years or older by December 31, 2024 (or live with a spouse/partner or child)
- Earn working income (e.g., from employment or self-employment)
- Have a family net income below the threshold for your province or territory
Income limits vary, but here are a few key examples:
- Single individuals: Full benefit up to $26,149; phased out at $36,749
- Families: Full benefit up to $29,833; phased out at $48,093
- Disability supplement: Income phase-out starts at $36,748 (single) and $48,091 (family); cut-off depends on how many in the household qualify for the DTC
Exclusions:
- Full-time students (unless they have a dependent)
- Incarcerated individuals (90+ days)
- Non-taxable residents (e.g., diplomatic exemptions)
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How Much is the Canada Workers Benefit in July 2025?
The amount you receive from the Canada Workers Benefit depends on your working income, household situation, and province or territory of residence.
For the 2024 tax year, the maximum basic Canada Workers’ Benefit amounts are:
$1,590 for single individuals –
The benefit starts to reduce when your net income exceeds $26,149
Phases out completely at $36,749
$2,739 for families, including couples and single parents
- The benefit starts to decrease when the adjusted family net income exceeds $29,833
- Ends entirely at $48,093
$2,739 for families, including couples and single parents
- The benefit starts to decrease when the adjusted family net income exceeds $29,833
- Ends entirely at $48,093
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How Much is the Canada Workers Benefit in July 2025?
The CRA has increased the CWB amounts for the 2024 tax year. Here’s what you could receive in this July 2025 advance payment:
- Up to $265 if you’re single with no dependents
- Up to $456.50 if you have a spouse, common-law partner, or dependents
- An additional $136.83 if you qualify for the disability supplement
This means some recipients could see as much as $593.33 deposited next week — a welcome boost for working Canadians facing rising costs.
Note: These amounts are based on federal rates. Residents of Quebec, Alberta, and Nunavut may have different maximums and thresholds.
When Will the Payments Be Issued?
The Advanced Canada Workers Benefit is issued in three installments across the benefit year:
- July 11, 2025
- October 10, 2025
- January 12, 2026
If you’re eligible, the CRA will automatically deposit the July 11 payment into your account or mail a cheque, depending on your payment preference. If you don’t receive the money by July 22, you can contact the CRA for help.
How to Apply for the Canada Workers Benefit
There’s no separate application for the CWB. You simply:
- Claim it when filing your taxes
- Use certified tax software or paper forms (Schedule 6)
If you qualify for the disability supplement, make sure your Disability Tax Credit (DTC) is approved and that Form T2201 is on file with the CRA.
Is the Canada Workers Benefit Taxable?
No. The Canada Workers Benefit is a refundable tax credit, not taxable income. You won’t owe tax on the amount you receive, and you don’t need to pay it back.
Final Thoughts
If you’re a low- or modest-income worker in Canada, the July 2025 Canada Workers Benefit payment could deliver up to $600 in financial relief — and it’s arriving as early as next week. With inflationary adjustments pushing benefit amounts higher, now’s the time to make sure your 2024 taxes are filed and your CRA account is up to date.
For a personalized estimate, use the CRA’s Benefits Calculator or contact the agency directly.