Families across the country can look forward to a financial boost this summer as the Canada Child Bonus Payment for July 2025 rolls out with updated rates and important eligibility details. Officially known as the Canada Child Benefit (CCB), this monthly, tax-free payment helps families with the cost of raising children under 18. The July 2025 installment will reflect the latest inflation indexation increase and is expected to be deposited on Friday, July 18, 2025.
Here’s a comprehensive breakdown of what parents and caregivers need to know.
Table of Contents
Payment Date for July 2025
The Canada Child Bonus Payment for July 2025 is scheduled for Friday, July 18, since the 20th falls on a weekend. Payments are typically issued on the 20th of each month, or the nearest business day beforehand.
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Updated Payment Amounts (July 2025 to June 2026)
As of July 2025, new maximum annual benefit amounts are being introduced, adjusted for inflation based on the consumer price index.
- Up to $7,997 annually ($666.42/month) for each eligible child under age 6
- Up to $6,748 annually ($562.33/month) for each eligible child aged 6 through 17
These are maximums. The actual amount a family receives depends on their Adjusted Family Net Income (AFNI) and the number of eligible children.
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How the CCB is Calculated
The CCB is recalculated every July based on the prior year’s income tax return. For the July 2025–June 2026 payment period, the calculation will be based on your 2024 tax return.
Here’s how the benefit reduces as family income rises:
- If your AFNI is below $37,487, you may qualify for the full benefit.
- Between $37,487 and $81,222, benefits are gradually reduced based on a percentage of income above the threshold.
- If your AFNI is above $81,222, the reduction percentage increases depending on the number of children you have.
Reduction rates:
- One child: 7% of income above $37,487
- Two children: 13.5%
- Three children: 19%
- Four or more: 23%
A second reduction applies for families with AFNI above $81,222:
- One child: 3.2%
- Two children: 5.7%
- Three children: 8%
- Four or more: 9.5%
These two-stage reductions ensure the CCB targets low- and middle-income families.
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Eligibility Criteria
To receive the Canada Child Bonus Payment in July 2025, you must meet the following conditions:
- You must live with a child under 18 years of age.
- You must be primarily responsible for the care and upbringing of the child.
- You must be a resident of Canada for tax purposes.
- You and your spouse or common-law partner (if applicable) must file your 2024 tax returns, even with no income.
In most provinces and territories, the CCB is also used to calculate related provincial child benefits, making accurate tax filing crucial.
Shared Custody Arrangements
In shared custody situations, each parent typically receives 50% of the CCB payment for the child, based on their own income level.
Child Disability Benefit (CDB)
Families with children eligible for the Disability Tax Credit (DTC) may receive an additional Child Disability Benefit. For the period beginning in July 2025, the maximum annual amount is $3,411 (about $284.25 per month) per eligible child.
How to Apply
If you’re a new parent or haven’t previously applied, there are several ways to apply:
- Through the birth registration process in your province or territory
- Via CRA My Account
- By mailing Form RC66 to the Canada Revenue Agency
If you are already receiving the CCB and have filed your 2024 taxes, no reapplication is needed—the July 2025 payment will be adjusted automatically.
Key Tips to Prepare for July 2025
- File your 2024 income taxes promptly to avoid payment delays.
- Update your marital status, address, and custody arrangements in CRA My Account.
- Set up direct deposit to receive payments quickly and securely.
- Use the Child and Family Benefits Calculator on the CRA website to estimate your July 2025 payment.
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Summary Table: Canada Child Bonus Payment – July 2025
| Detail | Information |
|---|---|
| Payment Date | July 18, 2025 |
| Max Monthly (Child under 6) | $666.42 |
| Max Monthly (Child aged 6–17) | $562.33 |
| Max Annual Child Disability Benefit | $3,411 |
| Based On | 2024 tax return |
| Income Threshold for Full Benefit | $37,487 |
| Benefit Reduces Above | $37,487 and further above $81,222 |
| Application Needed? | Only if new or not already receiving CCB |
Final Thoughts
The Canada Child Bonus Payment in July 2025 will offer timely financial relief for families managing back-to-school costs and summer expenses. With an inflation-linked increase and additional support for children with disabilities, the CCB remains a crucial benefit for millions of Canadian families.
Be sure to file your taxes, update your records, and monitor your CRA account to ensure uninterrupted and accurate payments.