With the cost of living continuing to rise, the Canada Revenue Agency (CRA) has confirmed a new $928 payment to support low- and modest-income households in 2025. This one-time benefit aims to ease the financial pressure many Canadians are feeling due to inflation, higher food costs, and increased utility bills. If you’re wondering how it works, who qualifies, and how to make sure you receive it, this guide breaks it all down.
Overview
The $928 CRA payment is not a loan or repayable benefit. It’s a direct financial relief measure designed to support eligible individuals and families. The good news? There’s no application form required. Your eligibility will be assessed automatically based on your 2024 income tax return.
| Feature | Details |
|---|---|
| Payment Amount | $928 |
| Eligibility | Based on 2024 income, family size, and tax filing |
| Application Required? | No—automatically assessed by the CRA |
| Delivery Method | Direct deposit or cheque |
| Official Source | Canada Revenue Agency (CRA) |
What is the $928 Payment?
The $928 payment is a new benefit announced by the CRA for 2025. It’s meant to provide financial support for households that are struggling with rising expenses. Unlike monthly benefits like the Canada Child Benefit or GST/HST credit, this is a one-time payment, expected to reach millions of eligible Canadians during the second half of 2025.
The aim is simple: help people cover basic needs like housing, groceries, and bills during financially tight times. As inflation continues to affect purchasing power, this extra cash can make a big difference—especially for those with fixed or limited incomes.
Eligibility
Your income for 2024 will be the biggest factor. Lower-income households are more likely to qualify. For example:
- A single person earning under $25,000 may qualify
- A family of four earning under $60,000 may also be eligible
The CRA sets specific income thresholds, which vary depending on family size.
Family Size
Larger households often face higher living expenses, so the CRA adjusts income limits based on how many people are in your family. If your household includes dependents or multiple adults, your chances of qualifying may increase.
Tax Filing Status
Filing your 2024 tax return is essential. Even if your income is too low to owe taxes, filing ensures you’re in the CRA system and can be considered for benefits.
Residency
You must be a resident of Canada for tax purposes. Permanent residents, Canadian citizens, and protected persons are generally eligible. Temporary residents may not qualify.
Accurate Tax Information
Make sure your tax return reflects your correct income, marital status, and number of dependents. Mistakes or outdated information can delay or block your payment.
How to Get the Payment
There’s no separate application process for the $928 payment. Follow these steps to make sure you receive it:
Step 1
Submit your taxes before the deadline—August 30, 2025. If you file late, your payment could be delayed or denied.
Step 2
Double-check your tax return for errors. If your marital status or family size changed in 2024, be sure that’s updated.
Step 3
Use your CRA My Account to set up or confirm your banking information. Direct deposit is the fastest and safest way to get your payment.
Step 4
If you qualify, the CRA will notify you by mail or through your MyCRA account. These notices typically include payment details and timing.
Step 5
Hold onto your tax documents and any CRA letters. These are useful if you need to confirm eligibility or fix an issue later.
What If You Don’t Qualify?
Not everyone will meet the criteria for this payment. But that doesn’t mean support isn’t available. Here are other CRA and federal programs to explore:
- Canada Child Benefit (CCB) – Monthly payments for families with children under 18
- GST/HST Credit – Quarterly tax-free payments for individuals and families
- Canada Workers Benefit (CWB) – Tax credit for low-income workers with a bonus for families
- Provincial Benefits – Additional programs like Ontario’s Trillium Benefit or BC’s Climate Action Credit
Visit the CRA benefits section on canada.ca for more options tailored to your income and household size.
FAQs
What is the $928 CRA payment for?
It helps low- and modest-income Canadians with living expenses in 2025.
Do I need to apply for the $928 payment?
No, it’s automatic if you qualify based on your 2024 tax return.
When will I receive the $928 CRA payment?
Payments are expected in the second half of 2025, likely by fall.
Who is eligible for the payment?
Residents with low income, based on 2024 tax data and family size.
What if I don’t qualify for the $928?
You may still qualify for CCB, GST credit, or provincial programs.
