With rent, food, and energy prices on the rise, many Canadians are feeling the pressure of a higher cost of living. To ease this burden, the Canada Revenue Agency (CRA) is issuing a one-time, tax-free payment of \$928 in 2025. Designed to support low- and modest-income households, this benefit will be delivered automatically to eligible individuals—no application required.
Here’s a clear breakdown of who qualifies, how it works, and what you must do to receive it.
Government Support for Rising Costs
This \$928 CRA payment is part of the federal government’s broader effort to help households cope with inflation and rising expenses. It’s intended for Canadians who file taxes and meet income eligibility, ensuring that no one has to fill out forms or apply manually.
| Details | Information |
|---|---|
| Payment Amount | \$928 (one-time) |
| Eligibility | Based on 2024 income, family size, residency |
| Application Needed | No – Automatic through 2024 tax return |
| Administered By | Canada Revenue Agency (CRA) |
| Purpose | Support for low- and modest-income households |
Who Will Get the \$928 CRA Payment?
The CRA considers several factors before issuing the payment:
1. Annual Income Based on 2024 Taxes
Your 2024 income is the primary factor. Generally, if you earned under \$25,000 as a single person, you are likely to qualify. Families have higher income thresholds, with a family of four potentially qualifying at under \$60,000 household income.
The higher your income, the lower your chances of qualifying.
2. Family Size and Structure
Larger families have more expenses and are given greater income flexibility. A single parent or couple with children could qualify at higher income levels than individuals without dependents.
3. Tax Filing Status
You must file your 2024 income tax return to be considered. Even if you had no taxable income, your tax return is the only way the CRA assesses eligibility.
4. Residency Requirement
You must be a resident of Canada to receive the benefit. This includes:
- Canadian citizens
- Permanent residents
- Protected persons
Temporary residents are generally not eligible for this payment.
5. Accurate Tax Information
Make sure your return reflects correct information, especially:
- Income amount
- Marital status
- Number of dependents
Any errors can lead to delays or ineligibility.
How to Receive the CRA \$928 Payment
Although no application is required, here are the essential steps to ensure you don’t miss out:
File Your Taxes On Time
The deadline to file your 2024 tax return is June 30, 2025. Filing earlier allows the CRA more time to process and approve your eligibility.
Review and Update Your Details
If your family situation (like marital status or children) changed in 2024, ensure your return and CRA file reflect this. Inaccuracies may delay or reduce your benefit.
Set Up Direct Deposit
Direct deposit is the fastest way to receive the payment. You can update your banking details in your CRA My Account to avoid waiting for a mailed cheque.
Check CRA Notices
Keep an eye on your CRA My Account inbox or your physical mail. The CRA will notify eligible individuals and indicate when the payment will be deposited or mailed.
Keep Tax Records Handy
Having a copy of your tax return and confirmation of filing can be helpful in case of disputes or inquiries.
Didn’t Qualify? Other CRA Benefits to Explore
Even if you don’t meet the income or residency rules for the \$928 payment, there are other financial support programs available:
1. Canada Child Benefit (CCB)
Monthly tax-free payments to families with children under 18. Based on income and number of children.
2. GST/HST Credit
Quarterly payments to help with sales tax costs, especially for low-income individuals and families.
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3. Canada Workers Benefit (CWB)
A refundable tax credit for low-income workers. Offers additional incentives to stay employed.
4. Provincial Support Programs
Many provinces offer their own benefits. For example:
- Ontario Trillium Benefit (helps with rent, energy, and property taxes)
- BC Climate Action Tax Credit
- Alberta Affordability Payments
Check your provincial government’s website for region-specific benefits.
