CRA’s $445 Monthly Family Benefit For 2025 – Eligibility, Payment Dates & Everything You Need to Know

CRA’s $445 Monthly Family Benefit For 2025 – Eligibility, Payment Dates & Everything You Need to Know

In 2025, the Canada Revenue Agency (CRA) is stepping up family support with a $445 monthly benefit for eligible households. Aimed at easing the financial burden for parents, this tax-free payment is designed to assist with rising living expenses, childcare, and essential household needs.

The CRA $445 monthly family benefit is part of Canada’s long-term strategy to reduce child poverty and support low- to middle-income families.

Here’s everything you need to know, including who qualifies, how to receive it, and when the money will arrive.

What Is the CRA $445 Monthly Family Benefit?

The CRA $445 monthly benefit is a refreshed version of Canada’s family allowance, offering consistent monthly payments to families with children under the age of 18.

Each eligible child could generate up to $445 per month, totaling more than $5,000 annually.

This payment is non-taxable, deposited directly into the caregiver’s bank account, and requires no additional application for those already registered with the Canada Child Benefit (CCB) system.

Eligibility Criteria for CRA $445 Family Benefit

To qualify for the CRA’s $445 monthly payment, families must meet certain conditions:

  • Must be a Canadian resident for tax purposes
  • Be the primary caregiver of a child under 18
  • Filed a 2024 tax return
  • Meet CRA’s income thresholds

Income Threshold Table for Full Benefit in 2025

Number of ChildrenMaximum Net Family Income for Full Benefit
1$34,000
2$39,500
3$45,000
4 or more$50,500

Families earning above these thresholds may still qualify for partial payments based on their income and number of dependents.

When Will the Payments Be Made?

The CRA will begin issuing the $445 monthly payments starting January 2025, with payments generally made on the 20th of each month. Direct deposit is the preferred and fastest method of receiving funds.

CRA 2025 Payment Schedule

MonthPayment Date
January20 January 2025
February20 February 2025
March20 March 2025
April18 April 2025
May20 May 2025
June20 June 2025
July19 July 2025
August20 August 2025
September19 September 2025
October18 October 2025
November20 November 2025
December19 December 2025

How to Apply for the CRA $445 Family Benefit

Most families won’t need to reapply if already enrolled in the Canada Child Benefit (CCB). However, to ensure eligibility and timely payments, make sure:

  • Your 2024 tax return is filed
  • You’ve submitted Form RC66 to register your child
  • Your marital status and address are up to date with CRA

New parents or recent immigrants must register as soon as they become eligible.

Why This Benefit Matters

With inflation continuing to affect daily expenses, the CRA’s $445 monthly family benefit is a dependable financial lifeline for families. It supports essential costs like food, childcare, housing, and education, helping children thrive in a more stable environment.

This initiative also reinforces Canada’s broader commitment to reduce child poverty and support working families during times of economic pressure.

The CRA $445 monthly benefit for 2025 delivers consistent and meaningful financial support for Canadian families. If you’re a caregiver of a child under 18 and meet the eligibility criteria, this tax-free monthly payment could significantly ease your financial burden.

Make sure your tax return is filed, your dependent is registered, and your details are up to date with CRA. Once confirmed, you can expect regular payments from January through December 2025—helping you provide a better future for your children.

FAQs

What is the CRA $445 monthly family benefit?

It’s a monthly tax-free payment of up to $445 per child provided by CRA to support families with children under 18.

Who qualifies for the $445 CRA payment?

Canadian residents who are the primary caregivers, have filed a 2024 tax return, and fall within the income threshold qualify.

When are the payments issued?

Payments are made monthly, typically on the 20th of each month, beginning January 2025.

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