In 2025, eligible Canadians could receive up to $3,900 per month from various Canada Revenue Agency (CRA) benefit programs.
This is not a single payment, but a combined total from several programs such as the Canada Child Benefit (CCB), Old Age Security (OAS), Guaranteed Income Supplement (GIS), Canada Workers Benefit (CWB), and the new Canada Disability Benefit.
Understanding how these payments add up — and who qualifies — can help many households significantly boost their monthly income during a challenging economic period.
What is the CRA $3,900 Monthly Payment?
The CRA $3,900 monthly payment refers to the total potential amount a Canadian family or individual could receive in 2025 by qualifying for multiple government benefits.
Rather than a single cheque, these benefits are stacked based on eligibility, helping families, seniors, low-income workers, and disabled Canadians improve their financial security.
Key CRA Benefits Contributing to $3,900 Monthly Payment
| Benefit Program | Maximum Monthly Amount | Eligibility | Payment Dates (2025) |
|---|---|---|---|
| Canada Child Benefit (CCB) | Up to $648.91 per child | Parent/guardian, resident, filed tax return | 20th of each month |
| Old Age Security (OAS) | Up to $800.44 | Age 65+, Canadian citizen/resident, 10 years residency | Last week of each month |
| Guaranteed Income Supplement (GIS) | Up to $1,086.88 | Low-income OAS recipients | Last week of each month |
| Canada Workers Benefit (CWB) | Varies | Low-income working Canadians aged 19+ | Quarterly payments |
| Canada Disability Benefit | Up to $200 | Aged 18-64, approved Disability Tax Credit, low-income | Starts July 2025 |
Breakdown of Each CRA Benefit
Canada Child Benefit (CCB)
The Canada Child Benefit provides tax-free monthly support to help families with the cost of raising children.
- Eligibility: Must live with a child under 18 and be primarily responsible for their care.
- Amount: Up to $648.91 per month for each child under six and $547.50 for those aged six to seventeen.
Old Age Security (OAS)
Old Age Security is a monthly pension for seniors aged 65 and older.
- Eligibility: Must have lived in Canada for at least 10 years after turning 18.
- Amount: Up to $800.44 monthly for those aged 75 and older.
Guaranteed Income Supplement (GIS)
GIS offers extra income to low-income seniors already receiving OAS.
- Eligibility: Annual income must be below set thresholds.
- Amount: Up to $1,086.88 monthly for singles.
Canada Workers Benefit (CWB)
The CWB supports low-income working Canadians with a refundable tax credit.
- Eligibility: Must be 19 years or older with earned income.
- Amount: Paid quarterly based on annual tax filing.
Canada Disability Benefit
Launching mid-2025, the Canada Disability Benefit will provide monthly support to Canadians with disabilities.
- Eligibility: Ages 18–64, approved for the Disability Tax Credit, low income.
- Amount: Up to $200 per month.
CRA Payment Schedule for 2025
| Month | Payment Date |
|---|---|
| January | January 20 |
| February | February 20 |
| March | March 20 |
| April | April 17 |
| May | May 20 |
| June | June 20 |
| July | July 18 |
| August | August 20 |
| September | September 19 |
| October | October 20 |
| November | November 20 |
| December | December 12 |
Other programs like OAS and GIS are generally paid in the last week of each month.
Practical Tips to Maximize Your CRA Benefits
- File taxes on time: Even if you have no income, filing ensures you remain eligible for benefits.
- Apply for the Disability Tax Credit (DTC): Essential for unlocking the Canada Disability Benefit and other supports.
- Update your information: Changes to your family status, address, or income should be reported promptly.
- Use the CRA’s Benefits Finder tool: It helps discover all federal and provincial benefits you qualify for.
The Canada CRA $3,900 monthly payments in 2025 offer much-needed financial support to families, seniors, workers, and disabled individuals.
By understanding eligibility, tracking benefit timelines, and staying updated, you can maximize your income throughout the year.
Start by filing your taxes, checking your benefit status, and applying for all programs you qualify for — every dollar counts in building a more secure future!
FAQs
Is the $3,900 CRA payment a single payment or a combination of benefits?
It’s a combination of multiple programs, not a single cheque, adding up to around $3,900 monthly.
When will CRA payments be deposited in 2025?
Most CRA benefits are deposited on the 20th of each month, while OAS and GIS are paid in the last week.
Who can qualify for the new Canada Disability Benefit?
Canadians aged 18-64, approved for the Disability Tax Credit, and meeting low-income criteria are eligible starting July 2025.