John Hughie
Millions of Canadians could be eligible for a $730.17 payday through the Canada Workers Benefit (CWB) in July 2025.
The Canada Revenue Agency (CRA) is distributing this payment as part of the Advanced Canada Workers Benefit (ACWB)—a financial support initiative designed to help low-income workers better manage rising living costs.
If you’re working and earning a modest income, this refundable tax credit may offer a significant mid-year boost. Here’s everything you need to know.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable federal tax credit for low-income workers. The credit has two components:
- A basic amount, available to most qualifying workers
- A disability supplement for individuals who qualify under the Disability Tax Credit (DTC)
To make the benefit more accessible and timely, a portion of the CWB is issued in advance through quarterly payments under the ACWB.
$730 Advanced Payment Breakdown
The July 2025 payment is the second of three advance instalments scheduled for the year. Eligible individuals and families could receive up to $730.17, depending on their personal situation.
| Quarter | Payment Date (2025) | Maximum Payment |
|---|---|---|
| Q1 | January 12 | Up to $736.00 |
| Q2 | July 12 | Up to $730.17 |
| Q3 | October 11 | Varies |
| Q4 | After tax filing | Remaining balance |
The advance amount represents approximately half of your full CWB entitlement, with the balance paid after your tax return is assessed.
Eligibility Criteria for CWB
To receive the CWB and the $730 payday, you must meet the following requirements:
- Be a Canadian resident for the entire year
- Be 19 years or older on December 31, 2024 (or live with a spouse, common-law partner, or child)
- Have a working income of at least $3,000
- File your 2024 tax return by the CRA deadline
- Not be a full-time student for more than 13 weeks in the year (unless with dependents)
- Not be incarcerated for 90 days or more during the year
If you or your spouse qualifies for the Disability Tax Credit, you may also receive the disability supplement, which increases your benefit.
Income Limits and Payment Phase-Out
The amount you receive decreases as your income rises above certain thresholds. Here’s a quick guide:
| Filing Status | Income Where Benefit Begins to Phase Out | Benefit Ends At |
|---|---|---|
| Single (no children) | $26,000 | ~$36,750 |
| Married/Common-law | $29,800 | ~$48,000 |
| Disability Supplement | $36,750 | ~$48,000 |
The CRA automatically calculates and issues ACWB based on your latest assessed tax return.
How to Receive the Full Benefit
To ensure you qualify for the July 2025 ACWB instalment:
- File your 2024 tax return on time
- Complete Schedule 6 on your return to calculate your CWB
- Claim line 45300 on your income tax return
- Ensure CRA has up-to-date information, especially if your marital status, income, or disability status has changed
- Sign up for direct deposit to receive the payment faster
How This Benefit Helps
The Canada Workers Benefit aids low-income working Canadians by providing:
- Extra cash flow during high-expense months like summer
- Support for disabled workers, who face added living costs
- Incentives to stay employed, especially for part-time and seasonal workers
- Relief for families, especially single parents managing tight budgets
With the ACWB paid quarterly, recipients don’t have to wait until tax season for relief.
The $730 CRA pay cheque in July 2025 is part of a larger initiative to support Canada’s working class. If you make a little salary and match the eligibility standards, this might be a lifesaver.
Take a few minutes to verify your status, file your return, and claim your benefit, because in challenging times, every dollar matters.
The Canada Workers Benefit was built to reward your hard work. Make sure you get what you deserve.
FAQs
Will everyone receive $730 in July?
No, the amount depends on your income, marital status, and whether you qualify for the disability supplement. $730.17 is the maximum.
Can I still get this payment if I haven’t filed my 2024 tax return yet?
No. You must file your 2024 return to be assessed for CWB eligibility. Advance payments are based on your most recent return.
Is the CWB taxable?
No. The Canada Workers Benefit is a refundable tax credit and is not considered taxable income.
