If you’re a parent in Canada, you might be asking, “Will I receive the $648.91 Canada Child Benefit for 2025?” This is a common question as families across the country plan their budgets and look to offset rising living costs. The Canada Child Benefit (CCB) is a tax-free monthly payment made to eligible families to help with the cost of raising children under 18.
For the benefit year July 2024 to June 2025, the CCB amount has increased due to annual inflation adjustments. Families with children under 6 years old could receive up to $648.91 per month, depending on their income.
$648.91 Canada Child Benefit for 2025
| Feature | Details |
|---|---|
| Maximum CCB (Child <6) | $648.91/month ($7,787/year) |
| Maximum CCB (Child 6-17) | $547.50/month ($6,570/year) |
| Income Threshold (Full CCB) | Up to $36,502 family net income (2023) |
| Next Payment Date | June 20, 2025 |
| Eligibility Age | Children under 18 |
| Recalculation for 2025-2026 | Based on 2024 tax return |
| CRA Official Resource | Canada.ca – Canada Child Benefit |
The $648.91 Canada Child Benefit for 2025 can provide a crucial financial boost for families, especially those with young children. By understanding your eligibility, how much you can receive, and when payments arrive, you can make better financial decisions. Ensure your taxes are filed, keep your CRA information updated, and apply if you’re eligible.
The CCB is not just a benefit—it’s a tool to help families plan for a secure future. Whether you use it for daily expenses or invest in your child’s education, the key is to stay informed and make the most of every dollar.
To get the most out of your benefits, bookmark the Canada Child Benefit page and stay informed of updates each year.
What is the Canada Child Benefit (CCB)?
The Canada Child Benefit is a monthly tax-free payment issued by the Canada Revenue Agency (CRA) to assist families with the cost of raising children. Introduced in 2016, it replaced previous child benefit programs to create a single, income-tested system that delivers more support to low- and middle-income families.
This benefit is based on your adjusted family net income and recalculated each July after the previous year’s tax returns are assessed. The benefit is meant to help families cover costs associated with raising children, including food, clothing, school supplies, and childcare expenses.
Who Is Eligible for the $648.91 Monthly CCB in 2025?
To qualify for the maximum monthly benefit of $648.91 in 2025, your family must:
- Live in Canada and be a resident for tax purposes.
- Be the primary caregiver of a child under the age of 6.
- Have a family net income (from 2023 tax year) of $36,502 or less.
- File an income tax return for both parents/guardians.
- Be a Canadian citizen, permanent resident, protected person, registered under the Indian Act, or a qualifying temporary resident for 18+ months.
If your income exceeds the threshold, you may still receive a partial benefit. The amount decreases gradually as income increases.
How Much Will You Receive?
Maximum Monthly Payments (2024–2025)
- Children under 6 years old: $648.91/month or $7,787/year
- Children aged 6 to 17: $547.50/month or $6,570/year
The CCB decreases as your family income increases. Once your adjusted family net income goes above $36,502, the benefit gradually phases out.
Example:
A family with one child under 6 and a net income of $50,000 might receive around $550/month, based on current reduction rates used by the CRA.
Families with multiple children will receive an amount calculated based on the number of children and their ages. Additional support is available if your child qualifies for the Child Disability Benefit (CDB).
How is CCB Calculated?
The CRA uses the following to calculate your CCB:
- Number of eligible children
- Children’s ages
- Adjusted family net income (AFNI)
- Eligibility for the Child Disability Benefit (if applicable)
Benefit reduction starts at a family income of $36,502, with a sliding scale of deduction based on income and number of children.
The calculation also includes any provincial or territorial programs that are delivered in conjunction with the CCB. For example, families in Ontario may also receive the Ontario Child Benefit.
2025 CCB Payment Dates
The CRA typically issues CCB payments on the 20th of each month. If the 20th falls on a weekend or holiday, the payment is made on the last business day before.
Upcoming Payment Dates for 2025:
- June 20, 2025
- July 18, 2025
- August 20, 2025
- September 19, 2025
- October 20, 2025
- November 20, 2025
- December 12, 2025
Make sure your direct deposit info and mailing address are up to date in your CRA “My Account”.
Shared Custody and CCB Payments
If your child lives with both parents about equally (40–60% each), each parent may receive 50% of the CCB. If your time with the child is less than 40%, you’re not eligible for CCB payments for that child.
Always inform the CRA of any custody changes to ensure correct payment amounts.
Parents with changing custody arrangements must also update their marital status with CRA, as separation or divorce can affect CCB entitlement and calculations.
How to Apply for the Canada Child Benefit
If you’re a new parent or haven’t applied before, here are your options:
Option 1: Automatic Registration at Birth
Most provinces and territories allow you to apply for the CCB right at birth when you register your child’s birth.
Option 2: CRA My Account
Apply online through your CRA My Account portal.
Option 3: Form RC66
Submit a Form RC66 by mail.
Make sure you provide accurate information, including Social Insurance Numbers (SINs) for both parents, proof of status in Canada, and birth documentation.
What to Do If You Don’t Receive Your Payment
If your payment is late or missing:
- Check your CRA My Account for updates
- Confirm your direct deposit and mailing info are correct
- Call the CRA Benefit Enquiries line: 1-800-387-1193
Late payments can occur due to:
- Tax return not processed yet
- Account changes (custody, marital status, income)
- Paper applications taking longer
If your application is rejected or delayed, you can request a reassessment or file a formal complaint via the CRA complaints process.
Using the CCB Smartly: Tips for Families
- Budget monthly with your CCB included
- Set aside savings for education or emergencies
- Use CCB for essentials like childcare, school supplies, and groceries
- Consider an RESP (Registered Education Savings Plan) to grow your child’s future education fund
- Track your spending to ensure funds are used wisely
For RESP contributions, the government matches contributions through the Canada Education Savings Grant (CESG). Even small monthly contributions can add up over time with compound interest.
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FAQs
1. Will I automatically receive the $648.91 if I already get CCB?
No. The amount is adjusted annually based on your previous year’s income. If you qualify, you may receive the full amount.
2. What happens in July 2025?
A new benefit year begins. Your payment will be recalculated using your 2024 income tax return, which may increase or decrease your monthly benefit.
3. Do I pay tax on CCB payments?
No. The CCB is tax-free.
4. What if my income changes mid-year?
Your payments stay the same until the next July. However, you should still report significant changes to the CRA.
5. Can I use CCB for anything?
Yes. There are no restrictions. It’s intended to help with child-rearing costs, but how you use it is up to you.
