$648.91 Monthly Canada Child Benefit 2025: If you are a parent in Canada, you must be wondering whether I will get $648.91 monthly child benefit (CCB) in 2025 This question is absolutely justified because in this era of inflation, every family expects financial support while planning their budget.
Canada Child Benefit is a monthly non-taxable Canada payment which is paid by the Canadian government to families that qualify to receive the payments and hence helps them in supporting various expenditures associated with bringing up young children who are below the age of 18.
$648.91 CCB: Who will get it and when?
For the benefit year 2024 to 2025, this amount has been increased based on annual inflation. If your child is under 6 years old and your family income is within a certain limit, you can get up to $648.91 per month.
| 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 |
What is the CCB?
The Canada Child Benefit is a monthly, tax-free payment provided by the government’s CRA agency. It came out in 2016 to provide more financial assistance to low- and middle-income families. This assists with costs of rearing children in terms of food, clothes, school books, and day-care.
Who qualifies to have the 648.91 CCB?
- You must be residing in Canada and a resident for tax purposes.
- You must be the child’s primary caregiver.
- The child is under 6 years old.
- The household net income in 2023 is $36,502 or less.
Both parents have filed a tax return
- You must be a citizen, permanent resident, protected person, person registered under the Indian Act or approved temporary resident.
- In case your earning is pressing beyond this mark, you are also entitled to some partial benefit that declines marginally with any increment of the earnings.
- There are a different arrangement in case you are unmarried with more than one kid; here the amount will be calculated according to the number and the age of children.
- Another amount can be given in the case of a child who falls in the list of eligibility of disability benefits.
Dates of payment (2025)
It pays on 20th of the month. In case this date is on a weekend or holiday, the payment is payable in previous business day.
- The year 2025, June 20
- July 18 2025
- August 20 2025
- March 18, 2025
- October 20 2025
- 20 November 2025
- December 12th 2025
Maintain your CRA account by updating it and the direct deposit option gets payments timely.
Shared custody and CCB
- If the child spends roughly equal time (40-60%) with both parents, both receive 50% of the payment.
- If your time is less than 40%, you are not eligible.
- Report any change in custody to the CRA immediately to avoid payment errors.
How to apply for CCB?
At the time of the child’s birth: In most provinces, it is possible to apply for CCB with birth registration.
- CRA My Account: Apply online.
- Form RC66: Apply by post.
- Attach all required documents like SIN number, citizenship/status proof and birth certificate.
What to do if you haven’t received your payment?
- Log in to CRA My Account to check the status.
- Update direct deposit and address.
- CRA Helpline: 1-800-387-1193.
What is the way to use CCB properly?
- Put it into your budget.
- Except in case of emergency or education.
- Finance a Registered Education Savings Plan (RESP).
- Invest in the needs of the children such as day care, books and food.
- The government also offers matching grants on RESPs which can help the savings grow even faster.
Conclusion:
The $648.91 monthly Canada Child Benefit is an important financial aid that gives Canadian families relief while raising children. Apply on time, provide the correct information, and pay attention to your tax returns each year to reap the full benefits of this benefit.
FAQs
Q1. What is the Canada Child Benefit (CCB)?
A. The CCB is a tax-free monthly payment from the Canada Revenue Agency (CRA) to eligible families to help with the cost of raising children under 18.
Q2. What happens if my income is higher than $36,502?
A. You may still qualify for a partial CCB, but the amount decreases as income increases.
Q3. When are CCB payments issued in 2025?
A. Payments are usually made on the 20th of every month. If that falls on a weekend or holiday, payment is made on the prior business day.
Q4. What if I share custody of my child?
A. If both parents have shared custody (40%-60% time split), each may receive 50% of the CCB for the child.
Q5. Do I need to reapply every year?
A. No. But you must file your income tax return each year so CRA can recalculate your eligibility and amount.
