8 government benefit payments Canadians can get from the CRA in January
Start the year off right! 💸
Canadians can receive thousands of dollars in government payments in January 2025.
A new year is around the corner, and so is a fresh wave of government payments Canadians can receive next month. If you're feeling the squeeze post-holidays, these CRA payments available in January can help you kick off 2025 on the right foot, supporting everything from childcare to retirement needs.
January's lineup includes monthly standbys like the Canada Child Benefit and the Canada Pension Plan, as well as quarterly benefits like the Canada Workers Benefit, GST/HST Credit and more.
Here's everything you need to know about the CRA benefit payments for January 2025, from who qualifies to how much you can expect and when the money will land in your account.
GST/HST Credit
The GST/HST Credit is a tax-free quarterly payment designed to help individuals and families with low or modest incomes recover some of the GST or HST they’ve paid. This payment can also include additional support from provincial and territorial programs. Eligibility is automatically assessed when you file your taxes with the CRA.
To qualify, you generally need to be at least 19 years old. However, if you're younger than 19, you could still be eligible if you have (or had) a spouse or common-law partner, or if you are (or were) a parent living with your child. You must also be a Canadian resident for income tax purposes both the month before and at the beginning of the month when the payment is made.
How much you can get: The amount you get depends on your adjusted family net income and the number of children you have. For the January 2025 quarterly payment, you could receive up to
- $129.75 if you're single
- $170 if you're married or have a common-law partner
- An additional $44.75 for each child under 19
Next payment date: January 3, 2025
Advanced Canada Workers Benefit
The Canada Workers Benefit (CWB) is a refundable tax credit designed to support low-income individuals and families, offering a basic amount and a disability supplement that can be claimed when you file your taxes.
Through the Advanced Canada Workers Benefit (ACWB) program, eligible individuals can receive advance payments of up to 50% of their annual CWB allotment, split into three installments. To qualify, you must have earned income below your province or territory's threshold, be a Canadian resident for the entire year, and be at least 19 years old by December 31, or live with a spouse, common-law partner or dependent child.
How much you can get: The maximum annual basic CWB is $1,518 for singles and $2,616 for families, with an additional $784 for the disability supplement — although residents of Quebec, Nunavut and Alberta may receive different amounts.
For the January 2025 payment, eligible recipients could receive:
- Up to $253 if you're single
- Up to $436 if you have a spouse or common-law partner
- An additional $130.66 if you qualify for the disability supplement
Next payment date: January 10, 2025
Ontario Trillium Benefit
The Ontario Trillium Benefit (OTB) delivers monthly support to low- and moderate-income Ontarians, helping to offset key costs like energy bills, property taxes and sales taxes. It combines three credits: the Ontario Energy and Property Tax Credit (OEPTC), the Northern Ontario Energy Credit (NOEC), and the Ontario Sales Tax Credit (OSTC). It is funded by the Government of Ontario but administered by the CRA.
To be eligible, you must have filed your 2023 income tax return. If you qualify, you’ve likely been receiving monthly payments on the 10th of each month since July 2024. For those entitled to $360 or less annually, the total benefit was paid out as a lump sum in July instead of monthly payments.
How much you can get: The exact amount depends on your income and credit eligibility. Here's the maximum you could receive as your monthly payment in January 2025:
- Up to $104 if you're between 18 and 64, or up to $118.41 if you're 65 or older, from the OEPTC
- Up to $15 for singles, or up to $23.08 for families, from the NOEC
- Up to $30 for each family member, including yourself, your spouse and any dependents, from the OSTC
Next payment date: January 10, 2025
Canada Carbon Rebate
The Canada Carbon Rebate (CCR), formerly the Climate Action Incentive Payment, is a tax-free quarterly payment aimed at helping Canadians offset the costs of federal pollution pricing. This rebate includes a base amount, with an additional supplement for those living in rural or small communities.
To qualify, you must reside in one of the eligible provinces: Alberta, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island or Saskatchewan. You also need to be at least 19 years old, though younger Canadians may still qualify if they have (or had) a spouse or common-law partner, or if they are (or were) a parent living with their child. Additional amounts are provided for eligible children in your household.
How much you can get: Payment amounts depend on your family situation and where you live. These amounts vary by province — for example, in Ontario, quarterly payments are:
- $140 for you as an individual
- $70 for your spouse, common-law partner, or first eligible child in a single-parent family
- $35 per eligible child
Residents in rural areas receive an extra 20% of the base amount. For instance, a family of two parents and two children in rural Ontario could receive $336 for the January payment.
Next payment date: January 15, 2025
Canada Child Benefit
The Canada Child Benefit (CCB) is a monthly tax-free payment that helps families manage the expenses of raising kids. Delivered by the Canada Revenue Agency, the benefit also includes additional financial aid for families with children who have disabilities.
To qualify for the CCB, you need to live with a child under 18 and be responsible for their care. You must also be a Canadian resident for tax purposes, and either you or your spouse must meet certain residency requirements, like being a Canadian citizen or permanent resident.
How much you can get: The amount you receive depends on your family's income, how many children you have and their ages. Families with a 2023 adjusted net income below $36,502 qualify for the maximum payments. This includes up to $648.91 monthly per child under 6 and up to $547.50 per month for children aged 6 to 17. Payments decrease as income rises.
Depending on your location and circumstances, you might also qualify for additional provincial or territorial benefits or disability supports that will be included with your CCB payment.
Next payment date: January 20, 2025
Old Age Security
The Old Age Security (OAS) pension provides a monthly financial boost to Canadians aged 65 and over, helping with the cost of everyday living. You could be eligible for OAS even if you're still employed or have never worked.
To be eligible, you must be at least 65 years old and have spent at least 10 years living in Canada after the age of 18. If you reside outside Canada, a minimum of 20 years of Canadian residency is required. Most people are automatically enrolled, but if you don't receive an enrollment letter from Service Canada in the month after your 64th birthday, you may need to apply manually.
How much you can get: From January to March 2025, the maximum monthly OAS payment is $727.67 for those aged 65 to 74 and $800.44 if you're 75 or older. These payments are reviewed quarterly to reflect inflation but did not increase this quarter. Additionally, if you turned 75 after July 2022, your OAS payment rises by 10% starting the month after your 75th birthday.
Next payment date: January 29, 2025
Canada Pension Plan
The Canada Pension Plan (CPP) retirement pension provides a reliable monthly payment to help replace your income after you retire. This lifelong support is available to those who qualify. For Quebec residents, the Quebec Pension Plan (QPP) operates as a separate program.
To qualify for CPP, you need to be at least 60 years old and have made at least one contribution while working in Canada. Credits can also be transferred if you experience a separation, ensuring you're still eligible for support.
How much you can get: The amount you receive depends on factors like when you decide to start claiming CPP, how much you've contributed, and your lifetime earnings. The maximum monthly payment for someone starting now at age 65 is $1,364.60. You can estimate your CPP benefits by accessing your My Service Canada Account.
Next payment date: January 29, 2025
Veteran Disability Pension
The Veteran Disability Pension is a monthly benefit designed to support veterans living with a disability related to their military service. Eligible groups include Canadian Armed Forces veterans, those who served during the Second World War or the Korean War, and some current or former members of the Royal Canadian Mounted Police (RCMP). Certain civilians who participated in the Second World War may also be eligible.
To qualify, you must have a diagnosed medical condition that is service-related. This pension provides lifetime monthly payments and includes extra support for dependents, such as a spouse or children.
How much you can get: Payment amounts depend on your disability level. Veterans with the highest disability rating (Class 1) can receive a maximum of $3,357.30 per month, plus additional amounts for dependents: $839.33 for a spouse, $436.45 for the first child, $318.94 for the second child and $251.80 for each additional child.
Next payment date: TBA (typically last week of the month)
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