Last Updated On 30 June 2026, 8:29 PM EDT (Toronto Time)
The CRA will deposit the new Canada Groceries and Essentials Benefit payment into bank accounts across the country on Friday, July 3, 2026.
This deposit replaces the quarterly GST/HST credit with permanently higher amounts that are 25% above the old program, locked in for five consecutive years through 2031 as part of several new laws taking effect in July.
Your July 3 payment amount is already calculated and cannot be changed because it is based on the 2025 income tax return you already submitted to the CRA.
The CRA published the official CGEB payments chart on June 8, 2026, showing exactly how much every household type will receive at each income level.
A single individual qualifying for the maximum will receive $169.75 on July 3, while a couple with two children could receive up to $339.50 in a single quarterly deposit.
Those amounts repeat every three months through April 2027, making the total annual benefit substantially larger than anything the old GST/HST credit delivered.
This guide breaks down the full official CRA payment chart, explains the three-component calculation that determines your exact amount, and shows exactly where each family type loses eligibility as income rises.
Table of Contents
How The CRA Calculates Your CGEB Payment
The CGEB is not a flat payment, and understanding its three-component structure explains why different household types receive such different amounts.
The CRA builds your annual CGEB entitlement from three separate components that are stacked together before the income-based phase-out is applied.
Each component was indexed to inflation at 2% for 2026 and then boosted by the legislated 25% enhancement under Bill C-19, alongside CRA benefit increases across multiple programs.
Component 1: Adult Base Amount ($445 per person). Every eligible adult receives a base amount of $445 per year, which works out to $111.25 per quarterly deposit.
A couple where both partners are eligible receives two base amounts totaling $890 per year, or $222.50 per quarter.
A single parent with at least one child also receives the full $890 because the CRA treats single-parent households at the same rate as couples for this benefit.
Component 2: Single Supplement (up to $234). This component exists only for individuals who have no spouse or common-law partner and no eligible children registered for benefits.
The single supplement does not appear at zero income but instead phases in gradually at a rate of 2% of net income above $11,564.
At $11,564 in adjusted family net income, the supplement is zero, meaning a single person with very low income receives only the $445 base.
For every dollar of income above $11,564, the supplement grows by 2 cents until it reaches its maximum of $234 at approximately $23,264 in income.
Once the supplement caps at $234, the total benefit for a single person with no children is $445 plus $234, which equals $679 per year.
This phase-in structure is why the official CRA chart shows $445 at the lowest income levels for childless singles but $679 for those earning $25,000 or more.
Component 3: Child Amount ($234 per child). Each eligible child under 19 who is registered for the Canada Child Benefit adds $234 to the household’s annual CGEB entitlement.
There is no cap on the number of children who can be included, and the per-child amount does not phase in like the single supplement.
A couple with four children receives $890 in adult base plus $936 in child amounts, totaling $1,826 per year or $456.50 per quarter.
The following table summarizes how each component contributes to the maximum CGEB for common household types.
| Component | Annual Amount | Quarterly Amount |
| Adult base (per person) | $445.00 | $111.25 |
| Couple base (2 adults) | $890.00 | $222.50 |
| Single supplement (max) | $234.00 | $58.50 |
| Per child under 19 | $234.00 | $58.50 |
| Total single, no children | $679.00 | $169.75 |
| Total couple, no children | $890.00 | $222.50 |
| Total couple, 2 children | $1,358.00 | $339.50 |
| Total couple, 4 children | $1,826.00 | $456.50 |
Income Thresholds And The 5% Phase-Out Rate
The CGEB begins to decrease once your adjusted family net income exceeds the phase-out threshold of approximately $46,432 for the 2026-27 benefit year.
Above that threshold, the CRA reduces your annual entitlement by 5 cents for every dollar of income, which is a 5% reduction rate applied to the excess.
This means a household earning $50,000 would lose 5% of the $3,568 above the threshold, resulting in a $178.40 annual reduction from their maximum entitlement.
The 5% rate applies uniformly to all family types, but different maximum amounts mean different family types reach zero at very different income levels.
A single person with no children and the $679 maximum exhausts their entire benefit at approximately $60,012, while a couple with two children at $1,358 retains some benefit up to approximately $73,592.
The gap between these zero points explains why families with children continue receiving meaningful deposits at income levels where childless households receive nothing.
Worked Example: Single Earner at $50,000. Income exceeds the $46,432 threshold by $3,568.
The CRA applies the 5% reduction: $3,568 multiplied by 0.05 equals $178.40 in annual reduction.
Starting maximum of $679 minus $178.40 equals $500.60 per year, or $125.15 per quarterly deposit on July 3.
Worked Example: Couple With Two Children at $55,000. Income exceeds the $46,432 threshold by $8,568.
The CRA applies the 5% reduction: $8,568 multiplied by 0.05 equals $428.40 in annual reduction.
Starting maximum of $1,358 minus $428.40 equals $929.60 per year, or $232.40 per quarterly deposit.
Under the old GST/HST credit, this same family would have received significantly less because the base amounts were 25% lower before the CGEB enhancement took effect.
Worked Example: Couple With No Children at $60,000. Income exceeds the $46,432 threshold by $13,568.
The CRA applies the 5% reduction: $13,568 multiplied by 0.05 equals $678.40 in annual reduction.
A maximum of $890 minus $678.40 equals $211.60 per year, or $52.90 per quarterly deposit.
This couple still qualifies for a small payment, while a single person at the same income would receive nothing.
The following table shows the approximate income level at which the CGEB reaches zero for each common family type.
| Family Type | Max Annual Benefit | Benefit Reaches $0 At |
| Single, no children | $679.00 | ~$60,012 |
| Single or couple, 1 child | $1,124.00 | ~$68,912 |
| Single or couple, 2 children | $1,358.00 | ~$73,592 |
| Single or couple, 3 children | $1,592.00 | ~$78,272 |
| Single or couple, 4 children | $1,826.00 | ~$82,952 |
| Couple, no children | $890.00 | ~$64,232 |
How To Calculate Your Adjusted Family Net Income
The CRA uses your adjusted family net income to determine your CGEB amount, and this figure is not always the same as your total income or gross earnings.
Your AFNI starts with line 23600 of your 2025 tax return, which is your net income after employment expenses, RRSP deductions, and other allowable deductions.
If you have a spouse or common-law partner, the CRA combines both of your line 23600 amounts into a single family figure.
The CRA then subtracts any Universal Child Care Benefit and registered disability savings plan income you received, as reported on lines 11700 and 12500.
Finally, the CRA adds back any UCCB and RDSP amounts you repaid during the year, as reported on lines 21300 and 23200.
For most households, the AFNI is simply the combined net income from both spouses’ tax returns because very few families have UCCB or RDSP adjustments to apply.
You can verify your AFNI through your CRA My Account under the benefits and credits section, where the CRA displays the income figure used for your calculation.
RRSP contributions are one of the most effective ways to lower your AFNI because they reduce your line 23600 directly, which can push your income below the $46,432 threshold.
The CRA’s child and family benefits calculator lets you input your specific income and family details to see exactly what your CGEB will be for the 2026-27 period.
Official CRA Payments Amount Charts
Single And Single Parent
The following table reproduces the official CRA CGEB payments chart for single individuals and single-parent families for the July 2026 to June 2027 benefit year.
All amounts shown are annual entitlements based on the 2025 base year as published on the CRA payments chart page.
Your quarterly deposit on each payment date is one quarter of the annual amount shown in the table.
| Income ($) | No Children | 1 Child | 2 Children | 3 Children | 4+ Children |
| Under $11,564 | $445.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $14,000 | $493.72 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $15,000 | $513.72 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $20,000 | $613.72 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $25,000 | $679.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $30,000 | $679.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $35,000 | $679.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $40,000 | $679.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $45,000 | $679.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $50,000 | $500.60 | $945.60 | $1,179.60 | $1,413.60 | $1,647.60 |
| $55,000 | $250.60 | $695.60 | $929.60 | $1,163.60 | $1,397.60 |
| $60,000 | $0.60 | $445.60 | $679.60 | $913.60 | $1,147.60 |
| $65,000 | $0.00 | $195.60 | $429.60 | $663.60 | $897.60 |
| $70,000 | $0.00 | $0.00 | $179.60 | $413.60 | $647.60 |
| $75,000 | $0.00 | $0.00 | $0.00 | $163.60 | $397.60 |
| $80,000 | $0.00 | $0.00 | $0.00 | $0.00 | $147.60 |
| $85,000 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Notice that the column for single individuals with no children shows $445 at the lowest income level and gradually rises to $679 as income increases to $25,000.
This pattern reflects the single supplement phasing in at 2% of income above $11,564, which is unique to childless singles and does not apply to any other family type.
All columns for families with children show the full maximum amount right from the lowest income bracket because the child amount does not phase in.
Married And Common-Law Couples
The following table shows the CGEB annual entitlement for married and common-law couples at various income levels during the 2026-27 benefit year.
The phase-out threshold of $46,432 is clearly visible in this table because every family type receives the full maximum amount below that income level.
| Income ($) | No Children | 1 Child | 2 Children | 3 Children | 4+ Children |
| Under $46,432 | $890.00 | $1,124.00 | $1,358.00 | $1,592.00 | $1,826.00 |
| $48,000 | $811.60 | $1,045.60 | $1,279.60 | $1,513.60 | $1,747.60 |
| $50,000 | $711.60 | $945.60 | $1,179.60 | $1,413.60 | $1,647.60 |
| $55,000 | $461.60 | $695.60 | $929.60 | $1,163.60 | $1,397.60 |
| $60,000 | $211.60 | $445.60 | $679.60 | $913.60 | $1,147.60 |
| $65,000 | $0.00 | $195.60 | $429.60 | $663.60 | $897.60 |
| $70,000 | $0.00 | $0.00 | $179.60 | $413.60 | $647.60 |
| $75,000 | $0.00 | $0.00 | $0.00 | $163.60 | $397.60 |
| $80,000 | $0.00 | $0.00 | $0.00 | $0.00 | $147.60 |
| $85,000 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Couples without children see their $890 benefit eliminated entirely at approximately $64,232 in combined family income.
A couple with four children retains a small benefit all the way up to approximately $82,952 because their higher maximum amount takes longer to phase out at the 5% rate.
In shared custody arrangements, each parent receives exactly 50% of the standard CGEB amount for each child they share custody of.
All The CGEB Payment Dates For 2026-2027
The CRA confirmed the following four payment dates for the 2026-27 benefit year, which runs from July 2026 through June 2027.
| Payment Date | Quarter | Based On | Notes |
| July 3, 2026 | Q1 | 2025 tax return | First CGEB deposit at enhanced rate |
| October 5, 2026 | Q2 | 2025 tax return | Second quarterly deposit |
| January 5, 2027 | Q3 | 2025 tax return | Third quarterly deposit |
| April 7, 2027 | Q4 | 2025 tax return | Final deposit of this benefit year |
If the CRA calculates your total annual CGEB at less than $50 per quarter, the full annual amount will be paid as a single lump sum with the July 3 deposit instead of being split across four payments.
Direct deposit recipients will see funds in their bank accounts on the morning of each scheduled date.
The deposit may appear in your banking app as either the Canada Groceries and Essentials Benefit or the GST/HST credit while financial institutions update their labelling.
Your next quarterly deposit after July 3 will be on October 5, continuing the CRA benefit payment schedule through early 2027.
How The CGEB Compares To The Old GST/HST Credit
The dollar difference between the old GST/HST credit and the new CGEB is not just a flat 25% across the board because the 2% annual inflation indexation also stacks on top.
| Household Type | Old GST/HST Credit | New CGEB | Annual Increase |
| Single, no children | $533 | $679 | +$146 |
| Couple, no children | $698 | $890 | +$192 |
| Single parent, 1 child | $882 | $1,124 | +$242 |
| Couple, 2 children | $1,066 | $1,358 | +$292 |
| Couple, 4 children | $1,434 | $1,826 | +$392 |
A couple with four children will receive $392 more per year than they would have under the old program, adding up to $1,960 in additional support over the five-year enhancement period.
The 25% increase is legislated through 2031 and does not require annual renewal or parliamentary approval, giving households predictable support for the next five years.
Beyond the 25% boost, ongoing CPI indexation will continue raising the base amounts each July, so the actual dollar figures will climb further in 2027 and beyond.
What To Do Before July 3
Your CGEB amount for the 2026-27 benefit year is already locked in based on the 2025 tax return you submitted to the CRA.
The CRA already sent you a notice through your CRA My Account showing your annual entitlement and the schedule for your four quarterly payments.
Log in to CRA My Account, select your Individual account, and find the Canada Groceries and Essentials Benefit section under Benefits and Credits to see your exact July 3 amount.
Confirm that your direct deposit information is current because the CRA will use the same banking details it has on file from your most recent CRA benefit deposit.
If your marital status changed during 2025 or early 2026 and you have not reported it to the CRA, your payment could be calculated on the wrong family type.
Report any change in the number of children in your care, a separation, a new common-law relationship, or a change of address through CRA My Account as soon as possible.
Canadians who did not submit their 2025 tax return before the April 30 deadline may see their July CGEB payment delayed or withheld entirely until the CRA processes their return.
The CGEB is just one of several programs resetting in July 2026, alongside the OAS pension increase, the Canada Disability Benefit, and the Advanced Canada Workers Benefit.
Canadians who track benefit payments in May and January will notice that their July deposits look different because the CRA switches to 2025 tax return data for every income-tested program at the same time.
Common Reasons Your July 3 Payment May Differ From Expectations
If your 2025 income was higher than your 2024 income, your CGEB will be lower than what you received under the old GST/HST credit during the April 2026 payment cycle.
Conversely, if your income dropped in 2025 compared to 2024, your July 3 deposit could be noticeably larger than your previous quarterly payments.
A change in marital status is one of the most common reasons for unexpected CGEB amounts because going from single to married eliminates the single supplement.
A child turning 19 between July 2025 and June 2026 will no longer be counted as an eligible dependent, reducing the household benefit by $234 per year.
CRA debt offsets are another frequent cause of reduced deposits because the CRA can apply part or all of your CGEB toward any outstanding tax balances before the money reaches your account.
If your quarterly CGEB amount is less than $50, the CRA will issue the full annual amount as a single lump sum on July 3 instead of splitting it across four quarterly payments.
The one-time GST/HST top-up that arrived on June 5 was a separate transitional payment and is not deducted from or included in your regular CGEB quarterly amounts.
Beware Of CGEB Disinformation And Scams
The CRA has formally flagged online posts about a standalone $2,000 federal bonus payment and a separate $680 CGEB lump sum as disinformation.
Neither of these payments exists, and the only official CGEB amounts are those published on the CRA benefit amounts page.
Scammers are using the transition from the GST/HST credit to the CGEB as an opportunity to send fraudulent messages asking for banking details or Social Insurance Numbers.
The CRA will never ask for your SIN, passwords, or banking information through email, text message, or social media under any circumstances.
Verify all payment information through CRA My Account directly or by calling the CRA benefits line at 1-800-387-1193.
July 3 is the official launch of a benefit structure that will deliver higher quarterly deposits to more than 12 million Canadians for the next five years.
Your payment amount is already set based on the 2025 return you submitted, so the only actions left are verifying your deposit details in CRA My Account and watching for your July 3 deposit.
The CRA will recalculate your CGEB again in July 2027 using your 2026 tax return, and the 25% enhancement plus ongoing inflation indexation means the amounts will climb further in each subsequent year.
Bookmark the official CRA CGEB page and check your CRA My Account before each quarterly deposit to confirm your amount reflects your current family and income situation.
Frequently Asked Questions (FAQs)
How is the CGEB different from the GST/HST credit I used to receive?
The CGEB is the GST/HST credit under a new name with one structural change: all quarterly payment amounts are permanently 25% higher for five years from 2026 through 2031, with the increase legislated through Bill C-19 which received Royal Assent on February 12, 2026. The eligibility rules, quarterly payment schedule, income-testing formula, and CRA delivery infrastructure are identical to the old program, so the transition is automatic for every existing recipient without any new application required.
Why does a single person with no income receive only $445 per year instead of the $679 maximum?
The $679 maximum for childless singles includes a single supplement of up to $234 that phases in at 2% of adjusted family net income above $11,564. At zero income, the supplement is zero and the single person receives only the $445 adult base amount. The supplement increases by 2 cents for every dollar earned above $11,564 and reaches its $234 maximum at approximately $23,264, at which point the total benefit caps at $679. This phase-in design means the maximum is only available to singles who earned enough working income to trigger the full supplement.
At what income level does the CGEB payment drop to zero for a family with two children?
A family with two children, whether headed by a single parent or a couple, receives a maximum annual CGEB of $1,358. The 5% reduction rate begins at $46,432 in adjusted family net income, which means the benefit decreases by $67.90 for every additional $1,000 earned above that threshold. At approximately $73,592, the entire $1,358 entitlement is eliminated. Families earning slightly below that level will receive a very small quarterly deposit, while those above it receive nothing from the CGEB.
Can I still receive the CGEB if I missed the April 30 tax filing deadline?
The CRA cannot calculate your CGEB entitlement until your 2025 tax return is processed, so a late filing will delay your July 3 payment and potentially the October 5 deposit as well. You should submit your return as soon as possible because the CRA will issue any missed payments retroactively once your return is assessed, including back payments for any quarters you were entitled to but did not receive. Both you and your spouse or common-law partner must have filed for the CRA to calculate your adjusted family net income accurately.
Does the CGEB count as taxable income or affect my eligibility for other federal benefits?
No, CGEB payments are entirely tax-free and do not need to be reported on your annual tax return. They do not count as income when the CRA calculates your Canada Child Benefit, your Canada Disability Benefit, your OAS Guaranteed Income Supplement, or any other federal income-tested benefit. Provincial programs like ODSP and Ontario Works in most cases also exclude the CGEB from income calculations, though each province sets its own rules.
Fact-Checked: All payment amounts, income thresholds, component figures, and payment dates in this article have been verified against the official CRA CGEB payments chart, the CRA benefit amounts page, and the CRA payment dates page published on canada.ca as of June 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice.
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