Last Updated On 15 June 2026, 5:19 PM EDT (Toronto Time)
New CRA Benefits Increase 2026: July 2026 brings a wave of increases to federal benefits and income-tested payments that millions of Canadians depend on every month.
The Canada Revenue Agency and Service Canada are rolling out higher payment amounts across multiple programs as the new benefit year begins on July 1, 2026.
A confirmed 2% CRA indexation adjustment will lift maximum amounts for the Canada Child Benefit and Canada Workers Benefit, while July also brings updated amounts for other federal and provincial benefits.
The newly renamed Canada Groceries and Essentials Benefit officially replaces the GST/HST credit with quarterly payments that are 25% higher than the amounts they replace.
Ontario residents will see a fresh Ontario Trillium Benefit cycle calculated from their 2025 tax returns, and Canadian seniors collecting Old Age Security will receive the largest quarterly increase of 2026 so far.
Every income-tested benefit administered by the CRA will also be recalculated using 2025 tax return data starting this month, which means individual payment amounts could rise or fall depending on how your household income changed between 2024 and 2025.
Here is a complete breakdown of every benefit increasing or resetting in July 2026, including updated maximum amounts, exact payment dates through the end of the year, and what you need to do to receive your full entitlement.
Table of Contents
July 2026 Benefits at a Glance
The following table summarizes every major federal and provincial benefit that is increasing or being recalculated in July 2026.
| Benefit | July 2026 Change | New Maximum | Administered By | First Payment |
| Canada Child Benefit | 2% indexation increase | $8,157/yr (under 6) | CRA | July 20, 2026 |
| Canada Groceries and Essentials Benefit | 25% increase + 2% indexation | $679/yr (single) | CRA | July 3, 2026 |
| Advanced Canada Workers Benefit | New advance cycle begins | $1,633/yr (single) | CRA | July 10, 2026 |
| Canada Disability Benefit | 2% indexation increase | $204/month | Service Canada | July 16, 2026 |
| Ontario Trillium Benefit | New benefit year + updated 2026 amounts | Varies by component | CRA (for Ontario) | July 10, 2026 |
| Old Age Security | 1.2% quarterly increase | ~$751.97/mo (65–74) | Service Canada | July 29, 2026 |
| Guaranteed Income Supplement | Quarterly + annual income recalc | ~$1,123/mo (single) | Service Canada | July 29, 2026 |
Canada Child Benefit Increase
The Canada Child Benefit is a tax-free monthly payment from the CRA to eligible families with children under 18, and it is the single largest income-tested benefit program in the country.
Starting with the July 20, 2026 deposit, a confirmed 2% Consumer Price Index indexation raises the maximum annual CCB to $8,157 for each child under six and $6,883 for each child aged six to 17.
These figures are up from $7,997 and $6,748 respectively during the July 2025 to June 2026 benefit year, as detailed in our Canada Child Benefit increase guide, translating to an increase of $160 per year for each younger child and $135 per year for each older child.
On a monthly basis, a family receiving the full maximum will see approximately $13.34 more per child under six and $11.25 more per child aged six to 17.
| CCB Component | 2025–26 Maximum | 2026–27 Maximum | Annual Increase |
| Child under 6 | $7,997/yr ($666.42/mo) | $8,157/yr ($679.75/mo) | +$160 (+$13.34/mo) |
| Child aged 6 to 17 | $6,748/yr ($562.33/mo) | $6,883/yr ($573.58/mo) | +$135 (+$11.25/mo) |
| Child Disability Benefit | $3,411/yr ($284.25/mo) | $3,480/yr ($290.00/mo) | +$69 (+$5.75/mo) |
The first income threshold rises from $37,487 to $38,237 and the second threshold increases from $81,222 to $82,847, as confirmed on the CRA indexation page.
Families with adjusted family net income below $38,237 receive the full maximum for the 2026–27 benefit year.
The July 20 deposit is the first payment at the new higher rates, and all amounts are calculated using your 2025 tax return data, as detailed in our CRA benefit payment dates for 2026–2027.
A family with two children under six receiving the full CCB maximum will see their combined annual benefit increase from $15,994 to $16,314, a total household boost of $320 per year, building on the CCB amounts that were in effect through the April 20 payment.
Canada Child Benefit Payment Dates 2026
| Payment Date |
| July 20, 2026 |
| August 20, 2026 |
| September 18, 2026 |
| October 20, 2026 |
| November 20, 2026 |
| December 11, 2026 |
Advanced Canada Workers Benefit
The Canada Workers Benefit is a refundable tax credit administered by the CRA for low-income workers who earned at least $3,000 in employment or self-employment income, and the Advanced Canada Workers Benefit allows eligible workers to receive up to 50% of their estimated annual CWB in three advance installments.
The July 10, 2026 deposit marks the first advance payment of the new cycle based on your 2025 tax return, following the final advance from the previous cycle that was issued on January 12, 2026.
For the 2025 tax year, which determines advance payments from July 2026 through January 2027, the maximum basic CWB is $1,633 for single individuals and $2,813 for families.
An additional disability supplement of up to $843 is available to recipients who also qualify for the Disability Tax Credit.
Each advance installment is approximately one-third of the 50% entitlement, meaning a single worker qualifying for the full maximum could receive roughly $272 per advance payment.
| Component | Maximum (2025 Tax Year) | Advance Per Installment |
| Single individual | $1,633/year | ~$272 |
| Family | $2,813/year | ~$469 |
| Disability supplement | Up to $843/year | ~$140 |
The remaining balance of your CWB is settled when you file your 2026 tax return in spring 2027, and any difference between advances received and actual entitlement is reconciled at that time, as explained in our CWB payment increase overview.
ACWB Payment Dates in 2026
| Installment | Payment Date |
| First advance | July 10, 2026 |
| Second advance | October 9, 2026 |
New Canada Groceries and Essentials Benefit
The Canada Groceries and Essentials Benefit officially replaces the GST/HST credit starting with the July 3, 2026 quarterly payment.
This change was legislated through Bill C-19, which received Royal Assent on February 12, 2026, and it delivers a 25% enhancement to all quarterly payment amounts for five consecutive years through mid-2031.
The CRA administers the CGEB using the same eligibility rules, quarterly payment structure, and income-testing formula as the former GST/HST credit, so no separate application is required.
For the July 2026 to June 2027 benefit year, the official CRA CGEB amounts page confirms the following maximum annual entitlements.
| Household Type | Annual Maximum | Quarterly Payment | Income Threshold |
| Single individual | $679 | $169.75 | Below $46,432 |
| Married or common-law couple | $890 | $222.50 | Below $46,432 |
| Per child under 19 | $234 | $58.50 | — |
| Couple with two children | $1,358 | $339.50 | Below $46,432 |
The July 3 payment is the first deposit under the new CGEB name, and the June 5 one-time GST/HST credit top-up that preceded it was covered in our June 2026 CRA benefits guide.
Recipients whose total annual CGEB entitlement is less than $50 per quarter will receive their entire yearly amount as a single payment in July instead of quarterly installments.
CGEB Payment Dates 2026–2027
| Quarter | Payment Date |
| Q1 (July 2026) | July 3, 2026 |
| Q2 (October 2026) | October 5, 2026 |
| Q3 (January 2027) | January 5, 2027 |
| Q4 (April 2027) | April 5, 2027 |
Canada Disability Benefit July Increase
The Canada Disability Benefit is administered by Service Canada and provides monthly income support to low-income Canadians with disabilities aged 18 to 64 who hold a valid Disability Tax Credit certificate.
The maximum monthly CDB payment increases from $200 to $204 starting in July 2026, reflecting the confirmed 2% annual indexation adjustment applied to the benefit for the first time since it launched in July 2025.
This raises the maximum annual CDB from $2,400 to $2,448 for the July 2026 to June 2027 benefit year.
The income thresholds for receiving the full benefit also increase under the same indexation, meaning more Canadians may now qualify for the maximum amount, as outlined in our April 2026 CDB payment guide.
For the current benefit year ending June 2026, single individuals receive the full $200 monthly benefit when their adjusted family net income is $23,000 or less, with the benefit reducing by 20 cents for every dollar above that level.
Couples where one partner is eligible receive the full amount when combined family income is $32,500 or less, and both thresholds will increase under the 2% indexation for the new benefit year starting in July.
ODSP recipients in Ontario can receive the CDB on top of their provincial disability support, and a single ODSP recipient collecting the maximum CDB currently receives up to $1,608 per month from these two programs alone, as covered in our Ontario ODSP payments guide.
CDB Payment Dates 2026
| Payment Date |
| July 16, 2026 |
| August 20, 2026 |
| September 17, 2026 |
| October 15, 2026 |
| November 19, 2026 |
| December 17, 2026 |
Ontario Trillium Benefit New Benefit Year
The Ontario Trillium Benefit is a combined tax-free payment administered by the CRA on behalf of the Ontario government, merging three separate provincial credits into a single monthly deposit.
The three components are the Ontario Energy and Property Tax Credit, the Ontario Sales Tax Credit, and the Northern Ontario Energy Credit for residents of Northern Ontario.
July 2026 marks the start of a new OTB benefit year, with all amounts recalculated using 2025 tax return data and adjusted upward for the 2026 benefit year.
The Ontario Sales Tax Credit maximum rises to approximately $378 per adult and per child for the 2026–27 benefit year, up from $371 in the previous cycle, and the OEPTC amounts also increase under the same formula, as covered in our OTB July 2026 payment guide.
A significant change for the July 2026 cycle is the lump-sum threshold increase from $360 to $500, as confirmed in the 2026 Ontario Budget and previously covered in our April 2026 OTB guide.
This means recipients whose total annual OTB entitlement is $500 or less will receive their full payment in a single July deposit rather than having it spread across 12 monthly installments.
Ontario residents who qualify for the OTB also receive several other CRA benefit payments in Ontario, including the Canada Child Benefit and the Canada Groceries and Essentials Benefit, all of which are increasing in July.
OTB Payment Dates 2026
| Payment Date |
| July 10, 2026 |
| August 10, 2026 |
| September 10, 2026 |
| October 9, 2026 |
| November 10, 2026 |
| December 10, 2026 |
OAS and GIS July Quarterly Increase
Old Age Security pension amounts are administered by Service Canada and adjusted quarterly in January, April, July, and October using Consumer Price Index data, as described on the official OAS payment amounts page.
The Government of Canada confirmed a 1.2% quarterly increase for the July to September 2026 quarter, the largest single quarterly adjustment of 2026 so far, bringing the cumulative year-over-year OAS increase to 2.3% compared to payments issued in July 2025.
| Recipient Type | April–June 2026 | July–Sept 2026 | Quarterly Change |
| OAS pension (aged 65–74) | $743.05/month | ~$751.97/month | +~$8.92/month |
| OAS pension (aged 75+) | $817.36/month | ~$827.17/month | +~$9.81/month |
The permanent 10% OAS enhancement for seniors aged 75 and older, introduced in July 2022, continues to apply on top of regular quarterly adjustments.
July is also the month when the Guaranteed Income Supplement is recalculated for the new benefit year using income reported on your 2025 tax return, and seniors who did not file by April 30 risk having GIS payments suspended, as covered in our July 2026 OAS increase guide.
If your 2025 income was lower than 2024, your July GIS payment could increase substantially beyond the standard 1.2% quarterly bump.
The OAS recovery tax threshold for the July 2026 to June 2027 period is based on 2025 net world income above approximately $93,454, with full repayment at approximately $154,708 for seniors aged 65 to 74, as outlined in our April 2026 OAS and CPP guide.
Unlike OAS which adjusts quarterly, the Canada Pension Plan is indexed once annually in January based on the Consumer Price Index, so CPP amounts do not change in July, as explained in our April 2026 OAS payment increase coverage.
OAS and GIS Payment Dates 2026
| Payment Date |
| July 29, 2026 |
| August 27, 2026 |
| September 25, 2026 |
| October 28, 2026 |
| November 26, 2026 |
| December 22, 2026 |
Always File Taxes to Receive Payments
Filing your income tax return is the single most important step for receiving any CRA or Service Canada benefit payment in July 2026 and beyond.
Every income-tested benefit switches to 2025 tax return data starting in July, and the CRA cannot calculate your entitlement without a filed return, regardless of your income level, as explained in our guide to reasons your CRA benefits could change in 2026.
The Canada Child Benefit, the Canada Groceries and Essentials Benefit, the Ontario Trillium Benefit, and the Advanced Canada Workers Benefit all require that you and your spouse or common-law partner have filed your 2025 tax returns, as covered in our May 2026 CRA benefit payments guide.
The Canada Disability Benefit administered by Service Canada also requires up-to-date tax filings, along with a valid Disability Tax Credit certificate.
GIS recipients must file every year to maintain eligibility, even if they have no taxable income, because Service Canada uses the previous year’s net income to determine both eligibility and payment amounts.
If you filed your 2025 return late, the CRA will process your benefits once the assessment is complete, and any missed payments will be issued retroactively, according to the official CRA benefit payment dates page.
Newcomers to Canada who have never filed a Canadian tax return should submit Form RC66 for the Canada Child Benefit and Form RC151 for the Canada Groceries and Essentials Benefit to begin receiving payments.
July 2026 CRA Benefits Payment Dates
The following table shows every confirmed federal and provincial benefit payment date in July 2026 in chronological order.
Direct deposit recipients will typically see funds in their bank accounts on the morning of each scheduled date, while those receiving cheques should allow five to ten additional business days for delivery.
| Payment Date | Benefit | Administered By | Note |
| July 3, 2026 | Canada Groceries and Essentials Benefit | CRA | First CGEB quarterly payment |
| July 10, 2026 | Ontario Trillium Benefit | CRA (for Ontario) | New benefit year begins |
| July 10, 2026 | Advanced Canada Workers Benefit | CRA | First advance of new cycle |
| July 16, 2026 | Canada Disability Benefit | Service Canada | First payment at $204/mo |
| July 20, 2026 | Canada Child Benefit | CRA | First payment at new rates |
| July 29, 2026 | OAS and GIS | Service Canada | 1.2% quarterly increase |
July 2026 will be an important month for Canadians receiving CRA and federal benefit payments, with several programs moving to higher or newly recalculated amounts.
Canadians should make sure their 2025 tax return has been filed, check CRA My Account or My Service Canada Account, and review each payment date carefully to avoid missing any July deposit.
More updates are expected as CRA and Service Canada continue confirming benefit amounts, payment dates, and eligibility details for the new benefit year.
Frequently Asked Questions (FAQs)
Why will my CRA benefit amount change in July 2026?
Every July, the CRA recalculates income-tested benefits using your previous year’s tax return and applies annual inflation indexation, as explained in our guide to reasons your CRA benefits could change.
If your household income rose between 2024 and 2025, your payment could decrease even though maximum program amounts went up due to indexation.
The CRA processes all of these recalculations automatically once your 2025 tax return has been assessed, and you can check updated amounts in your CRA My Account before each payment date as outlined in our June 2026 CRA benefits overview.
Do I need to apply separately for the Canada Groceries and Essentials Benefit?
No separate application is required if you already received the GST/HST credit, because the CRA automatically determines eligibility based on your filed tax return, as confirmed on the official CGEB page. Newcomers who have never received the GST/HST credit must submit Form RC151 to begin receiving CGEB payments.
When does the CRA use my 2025 tax return for benefit calculations?
The CRA switches from your 2024 tax return to your 2025 tax return for all income-tested benefit calculations starting with the July 2026 payment cycle. This applies to the CCB, CGEB, ACWB, OTB, and the Canada Disability Benefit, as detailed in our CRA benefits payment dates for 2026–2027.
Will my OAS payment increase every quarter in 2026?
OAS payments are reviewed quarterly using Consumer Price Index data and can increase when inflation rises, but they never decrease even if the CPI drops. The July to September 2026 increase of 1.2% is the largest quarterly adjustment of the year so far, with the October adjustment depending on summer CPI readings, as covered in our OAS July 2026 increase guide.
Can I receive the Canada Disability Benefit and ODSP at the same time?
Yes, the federal Canada Disability Benefit is paid on top of provincial disability support programs like ODSP, and Ontario has confirmed that CDB payments do not reduce ODSP entitlement, as covered in our ODSP May 2026 payment guide. A single ODSP recipient who also receives the maximum CDB currently collects up to $1,608 per month from these two programs alone, and that combined figure will increase further after both the ODSP inflation adjustment and the CDB indexation take effect in July.
Fact-checked: All payment dates, benefit amounts, indexation rates, and eligibility details in this article are verified against official Canada Revenue Agency indexation, Service Canada, and Government of Canada sources as of June 13, 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Individual benefit amounts depend on personal circumstances including income, marital status, and filing history. Always verify your specific entitlement through CRA My Account or My Service Canada Account. Consult a qualified professional for advice on your individual situation.
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