July 2025 is a big month for Canadians who receive government benefits. Many payments are increasing, and a new benefit is starting this month too. If you qualify, you could get more money in your account this July.
These payments are updated every year to match inflation. This year, most benefits are going up by 2.7%. Payments are now based on your 2024 tax return, so your amount may change.
There are eight major government benefits being paid this month, including one brand-new benefit for people with disabilities. Let’s take a closer look.
GST/HST Credit
The GST/HST Credit is a tax-free payment given every three months. It helps lower-income Canadians handle the extra cost of goods and services. You don’t need to apply. If you file your taxes, the CRA checks if you qualify.
You must be at least 19 or live with a spouse, partner, or child to get it. You must also live in Canada for tax purposes.
How much you can get (July 2025):
| Category | Amount (Quarterly) |
|---|---|
| Single | Up to $133.25 |
| Couple | Up to $174.50 |
| Per child under 19 | Up to $46 |
The income limit now starts at $45,521.
Next payment date: July 4, 2025
Ontario Trillium Benefit (OTB)
If you live in Ontario, you might get the OTB every month. It includes three credits: Energy and Property Tax Credit, Northern Ontario Energy Credit, and the Ontario Sales Tax Credit.
The benefit is based on your 2024 tax return.
How much you can get (monthly):
| Credit | Monthly Amount |
|---|---|
| OEPTC (ages 18–64) | Up to $106.91 |
| OEPTC (65+) | Up to $121.75 |
| Extra OEPTC (if on reserve or in long-term care) | Up to $23.75 |
| NOEC (single) | Up to $15.41 |
| NOEC (families) | Up to $23.75 |
| OSTC (per person) | Up to $30.91 |
If your total benefit is $360 or less, you’ll get it all at once in July.
Next payment date: July 10, 2025
Advanced Canada Workers Benefit (ACWB)
The ACWB gives low-income workers part of their refund early. Instead of waiting until tax time, you get money in July, October, and January.
You must be at least 19 or live with a partner or child. You must also live in Canada all year and earn below a set income limit.
How much you can get (July 2025):
| Category | Payment |
|---|---|
| Single | Up to $265 |
| Families or Couples | Up to $456.50 |
| Disability Supplement | Extra $136.83 |
This benefit increased by 4.7% this year. Check again if you didn’t qualify before.
Next payment date: July 11, 2025
Canada Disability Benefit (NEW)
This is a brand-new monthly payment for low-income adults with disabilities. To get it, you must be between 18 and 64 and already approved for the Disability Tax Credit.
Apply before June 30 to get the first payment in July. If you’re approved later, you’ll still get the missed payments.
How much you can get:
| Type | Amount |
|---|---|
| Monthly | Up to $200 |
| Yearly | Up to $2,400 |
If your total yearly benefit is less than $240, you’ll get it in one payment.
First payment date: July 17, 2025
Canada Child Benefit (CCB)
The CCB is a monthly tax-free payment to help with the cost of raising children under 18. To get it, you must live with your child and be the main caregiver.
At least one parent must also be a Canadian resident and meet certain status requirements.
How much you can get (monthly):
| Child’s Age | Amount |
|---|---|
| Under 6 | Up to $666.41 |
| Age 6–17 | Up to $562.33 |
| Disability Credit (extra) | Up to $284.25 |
The amount is higher for families with lower incomes.
Next payment date: July 18, 2025
Canada Pension Plan (CPP)
CPP gives a monthly income to retired Canadians who paid into the plan. You can start collecting as early as age 60 if you made at least one contribution.
If you lived in Quebec, you’ll get QPP instead.
How much you can get:
| Category | Amount |
|---|---|
| Maximum (age 65) | $1,433/month |
| Average | Around $900/month |
This benefit was already adjusted for inflation in January.
Next payment date: July 29, 2025
Old Age Security (OAS)
OAS supports Canadians aged 65 and older. You don’t need to work or pay into it. You just need to have lived in Canada for at least 10 years after turning 18.
If you live outside Canada, you need 20 years in the country to qualify.
There are also extra supports for low-income seniors:
- GIS: For those with little or no other income
- Allowance: For low-income spouses aged 60–64
- Allowance for Survivor: For widowed spouses aged 60–64
How much you can get (after July increase):
| Type | Amount (monthly) |
|---|---|
| OAS (65–74) | $734.95 |
| OAS (75+) | $808.44 |
| GIS (single) | $1,097.75 |
| GIS (with OAS spouse) | $660.77 |
| Allowance | $1,395.72 |
| Allowance for Survivor | $1,663.81 |
Next payment date: July 29, 2025
Veteran Disability Pension
This benefit gives monthly support to veterans whose health was affected by military service. It’s paid for life and is managed by Veterans Affairs Canada.
It’s also available to certain RCMP members, wartime civilians, and veterans of past wars.
To qualify, your health condition must be linked to your service.
How much you can get:
| Category | Amount |
|---|---|
| Max for severe disabilities | $3,444.59/month |
You may get more if you have dependants. This benefit was adjusted in January, so there’s no change in July.
Next payment date: June 30, 2025
FAQs
Who gets the GST/HST Credit?
Low and middle-income Canadians who file taxes.
Is the Canada Disability Benefit new?
Yes, it starts in July 2025.
Do I need to apply for CCB every year?
No, just file your taxes yearly.
How do I get ACWB payments?
You qualify if you’re eligible for the Canada Workers Benefit.
When is the CPP paid this month?
On July 29, 2025.