Raising children is both fulfilling and expensive, which is why the Canada Child Benefit (CCB) exists to ease the financial burden on families.
This tax-free monthly payment from the government is designed for families with children under the age of 18.
From July 2024 to June 2025, eligible families can receive up to $7,787 per child under 6 years old and up to $6,570 per child aged 6 to 17.
This guide will help you understand the essential details about the CCB in 2025, including eligibility, payment amounts, application process, and additional benefits available.
Key Highlights of the CCB $7,787 Child Benefit
The Canada Child Benefit (CCB) is a government initiative that offers substantial financial support to Canadian families.
For families with children under six, the benefit can go up to $7,787 per child, which, when combined with provincial benefits and disability assistance, provides significant relief.
Whether you’re a new parent, a recent immigrant, or simply looking to ensure you’re maximizing your eligible benefits, staying informed and filing taxes on time are essential steps.
Benefit Overview Table
| Aspect | Details |
|---|---|
| Maximum Annual Benefit | Children under 6 years: Up to $7,787, Children aged 6 to 17 years: Up to $6,570 |
| Eligibility Criteria | Must live with the child and be primarily responsible for their care. Must be a Canadian resident for tax purposes. |
| Application Methods | Online via CRA’s My Account portal or by mail with Form RC66. |
| Payment Dates (2025) | Monthly payments from January to December (specific dates listed below). |
| Additional Benefits | Child Disability Benefit (CDB): Up to $3,322 annually per eligible child. Additional provincial benefits may apply. |
| Official Resource | Canada Revenue Agency – Canada Child Benefit website. |
What is the Canada Child Benefit?
The Canada Child Benefit (CCB) is a monthly, tax-free financial assistance provided by the Canadian government to families with children.
Administered by the Canada Revenue Agency (CRA), this benefit is income-tested, meaning the amount you receive is based on your adjusted family net income (AFNI).
Since its inception in 2016, the CCB has been instrumental in alleviating poverty for hundreds of thousands of children, offering both substantial and accessible financial support.
Who Is Eligible for the CCB in 2025?
To qualify for the Canada Child Benefit in 2025, families must meet the following criteria:
- The primary caregiver must reside with the child.
- The applicant must be a Canadian resident for tax purposes.
- The applicant or their spouse/common-law partner must meet one of the following:
- Canadian citizen or permanent resident.
- A protected person (someone granted refugee status).
- A temporary resident who has lived in Canada for at least 18 months.
- Registered, or entitled to be registered, under the Indian Act.
- Filing taxes annually is necessary, even if there is no income, as the CRA relies on this information to determine eligibility and benefit amounts.
How Much Can You Receive from the CCB?
For the benefit year from July 2024 to June 2025, the maximum benefit amounts are as follows:
- $7,787 per child under 6 years old.
- $6,570 per child aged 6 to 17 years.
These amounts decrease gradually as your adjusted family net income exceeds $36,502.
Example Calculation
Let’s say a family has two children: one is 4 years old, and the other is 8, with a $50,000 adjusted family net income (AFNI). The breakdown would look like this:
- Maximum base amount: $7,787 (for the 4-year-old) + $6,570 (for the 8-year-old) = $14,357.
- Amount above the threshold: $50,000 – $36,502 = $13,498.
- Reduction (13.5%): $13,498 × 0.135 = $1,822.23.
- Net benefit: $14,357 – $1,822.23 = $12,534.77 annually (approximately $1,044.56 monthly).
Payment Schedule for 2025
The Canada Child Benefit payments for 2025 will be made on the following dates:
- January 20, February 20, March 20, April 17, May 20, June 20, July 18, August 20, September 19, October 20, November 20, December 12.
If any of these dates fall on a weekend or holiday, payments will typically be processed on the last business day before the scheduled date.
How to Apply for the CCB in 2025
If you’re a new parent, new to Canada, or haven’t applied for the Canada Child Benefit before, here’s how you can submit your application:
Online Application (Fastest Method)
- Log in to CRA’s My Account and apply for child benefits.
Paper Application
- Complete Form RC66 (Canada Child Benefits Application) and mail it to the CRA. Remember to include proof of birth or immigration status if required.
Birth Registration
- In many provinces, you can apply for the CCB at the same time you register your child’s birth.
Additional Benefits You Might Qualify For
Aside from the Canada Child Benefit, your child may also qualify for additional financial programs, including:
- Child Disability Benefit (CDB): If your child is eligible for the Disability Tax Credit, they can receive up to $3,322 annually.
- Provincial or Territorial Benefits: Depending on your province or territory, you may qualify for extra benefits like the Ontario Child Benefit or the Alberta Child and Family Benefit.
The Canada Child Benefit (CCB) is a vital resource for families raising children in Canada, offering significant financial support.
By understanding the eligibility criteria, payment amounts, and application process, you can ensure you’re receiving the full benefit your family is entitled to.
Make sure to apply on time, stay informed, and check annually to maximize your benefits.
FAQs
How do I know if I qualify for the Canada Child Benefit in 2025?
To qualify, you must be the primary caregiver for the child, reside in Canada, and meet the citizenship or residency criteria.
How much will I receive in 2025?
The amount you receive depends on your family’s adjusted net income, with a maximum of $7,787 per child under six and $6,570 per child aged 6 to 17.
When will I receive my CCB payments?
Payments are made monthly, with scheduled dates such as January 20, February 20, and so on throughout 2025.
Can I apply for the Canada Child Benefit online?
Yes, you can apply quickly through the CRA’s My Account portal.
Are there additional benefits available?
Yes, you may be eligible for the Child Disability Benefit (CDB) or provincial/territorial benefits based on where you live.