The Canada Revenue Agency (CRA) has officially released its 2025 benefit payment schedule, outlining exact dates for key financial supports such as the Canada Child Benefit (CCB), Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit, Canada Pension Plan (CPP), Canada Workers Benefit (CWB), and Ontario Trillium Benefit (OTB).
This essential calendar serves as a roadmap for millions of Canadians who rely on timely government assistance for managing everyday expenses.
Whether you’re a parent, senior, low-income earner, or Ontario resident, these dates will help you stay financially organized throughout the year.
Below, you’ll find the updated schedule, eligibility insights, and key tips to manage your Canada Revenue Agency benefits efficiently.
2025 CRA Benefit Payment Schedule
| Benefit or Credit | 2025 Payment Dates | Eligibility | Access Method |
|---|---|---|---|
| Canada Child Benefit (CCB) | Monthly: Jan 20 – Dec 12 | Families with children under 18 | CRA “My Account”, Direct Deposit |
| GST/HST Credit | Quarterly: Jan 3, Apr 4, Jul 4, Oct 3 | Low- to moderate-income Canadians | CRA “My Account”, Direct Deposit |
| Canada Carbon Rebate (CCR) | Jan 15, Apr 22 | Families in participating provinces | CRA “My Account” |
| Canada Workers Benefit (CWB) | Quarterly starting Jan 10 | Low-income workers | Canada Revenue Agency “My Account”, Direct Deposit |
| Canada Pension Plan (CPP) | Monthly: Jan 29 – Dec 22 | Eligible seniors and people with disabilities | Direct Deposit, Cheques |
| Ontario Trillium Benefit (OTB) | Monthly: 10th of each month | Ontario residents eligible for provincial tax credits | CRA “My Account”, Direct Deposit |
Understanding the Main CRA Benefits
Canada Child Benefit (CCB)
The CCB provides monthly non-taxable payments to eligible families with children under 18. The amount varies based on family income and number of children.
- How to Apply: File your tax return annually and keep family details current.
GST/HST Credit
This quarterly benefit helps offset the sales tax burden for low-income individuals and families.
- No separate application is required – eligibility is automatically assessed via your annual tax return.
Canada Workers Benefit (CWB)
CWB offers quarterly refundable tax credits to employed individuals and families with modest earnings.
- Application: Submit your taxes annually to determine eligibility.
Canada Pension Plan (CPP)
CPP provides a monthly retirement and disability benefit for individuals who contributed through employment or self-employment.
- You can begin receiving CPP at age 60 (with reduction) or wait until age 65 for full payments.
Ontario Trillium Benefit (OTB)
This monthly payment combines three benefits—OSTC, OEPTC, and NOEC—to support Ontarians with energy and tax-related costs.
- Included automatically when you file your Ontario tax return and meet income criteria.
Tips for Maximizing CRA Benefits
- Use CRA “My Account”: Track payments, update information, and access your benefit history in one place.
- Enable Direct Deposit: Ensure prompt delivery of payments without mail delays.
- File Taxes Annually: Many benefits require up-to-date tax filings to remain eligible.
- Keep Your Info Current: Changes in marital status, income, or dependents can affect your benefits.
How Changes in Income Affect Your Benefits
If your family income increases or decreases, it will impact your eligibility for benefits like the CCB or GST/HST Credit. Canada Revenue Agency uses the previous year’s income to calculate current payments, so accurate tax filings are crucial.
Are CRA Benefits Taxable?
Most Canada Revenue Agency benefits such as CCB, GST/HST Credit, and CWB are non-taxable. However, payments like CPP are considered taxable income and must be declared in your return.
Beyond Ontario – Other Provincial Benefits
While this guide covers Ontario’s OTB, several provinces offer unique programs:
- BC: BC Family Bonus, Sales Tax Credit
- Alberta: Alberta Child and Family Benefit
- Quebec: Solidarity Tax Credit
Always verify your provincial benefit programs on local government websites for additional assistance.
Staying informed about CRA payment dates in 2025 is essential for financial planning.
Knowing your eligibility, filing taxes on time, and using CRA tools will help you access benefits without delay.
Review the payment schedule regularly and keep your records accurate for a stress-free experience.
FAQs
What happens if I miss a tax filing deadline?
If you miss the April 30 tax filing deadline, you risk delays or complete loss of benefits for that year.
Can I still receive benefits if my income changes mid-year?
Yes, but it may affect your eligibility or benefit amount. Always update CRA with income or status changes.
How do I set up Direct Deposit with CRA?
Log in to your CRA “My Account” and navigate to “Direct Deposit” to register your bank information.