The first Advanced Canada Workers Benefit (ACWB) payment of the new cycle arrives on July 10, 2026. Every eligible recipient will see a higher amount than what they received during the previous advance cycle that ended in January.
The Canada Revenue Agency (CRA) calculates the July advance payments using 2025 tax year benefit amounts, which reflect a 2.7 percent inflation indexation over the 2024 figures that determined the last round of deposits. This means the maximum basic Canada Workers Benefit rises from $1,590 to $1,633 for single workers and from $2,739 to $2,813 for families, directly increasing the size of every advance installment.
The ACWB increase is part of a broader wave of federal benefit updates taking effect in July, alongside higher Canada Child Benefit amounts, the launch of the Canada Groceries and Essentials Benefit, and a 1.2 percent quarterly increase to Old Age Security.
What Changes With the July 10 ACWB Deposit
The Advanced Canada Workers Benefit delivers up to 50 percent of your estimated annual CWB in three installments spread across July, October, and January.
The January 12, 2026 deposit was the final installment of the previous cycle, calculated using 2024 tax year amounts from your 2024 tax return. The July 10, 2026 deposit opens a brand new cycle, calculated using the higher 2025 tax year amounts from your 2025 tax return. This creates a visible increase in every advance installment because both the maximum benefit amounts and the income thresholds have been indexed upward by 2.7 percent.
Anyone who filed their 2025 return before the deadline and qualified for the CWB will automatically receive the July 10 advance deposit without needing to submit a separate application. The CRA determines eligibility and calculates the advance amount using information already on your assessed return, and deposits are issued automatically to recipients with direct deposit set up through CRA My Account.
How Much Your July Advance Payment Is Increasing
The following breakdown compares the maximum per-installment amounts from the previous ACWB cycle to the new July 2026 cycle for recipients qualifying at the full maximum rate.
- Single Basic Benefit: Increases from $265 per installment in the January 2026 cycle to $272 per installment in the July 2026 cycle, a change of $7 more per payment.
- Family Basic Benefit: Increases from $457 per installment in the January 2026 cycle to $469 per installment in the July 2026 cycle, a change of $12 more per payment.
- Disability Supplement: Increases from $137 per installment in the January 2026 cycle to $140 per installment in the July 2026 cycle, a change of $3 more per payment.
- Single with Disability Supplement: Increases from $402 per installment in the January 2026 cycle to $413 per installment in the July 2026 cycle, a change of $11 more per payment.
- Family with Disability Supplement: Increases from $593 per installment in the January 2026 cycle to $609 per installment in the July 2026 cycle, a change of $16 more per payment.
These figures represent the maximum advance installment for each category. Your actual amount could be lower if your income falls within the phase-out range. The advance installment is calculated as one-third of 50 percent of your full annual CWB, based on the income reported on your most recently assessed tax return.
Updated Annual CWB Maximums for 2026
The annual CWB amounts that determine your July 2026 advance payments are set by the 2025 tax year indexation, not the 2026 rates that take effect at filing time next spring.
| Component | 2024 Tax Year | 2025 Tax Year |
| Basic CWB for Single Individuals | $1,590 per year | $1,633 per year |
| Basic CWB for Families | $2,739 per year | $2,813 per year |
| Disability Supplement | $821 per year | $843 per year |
| Total with Disability for Single Individuals | $2,411 per year | $2,476 per year |
| Total with Disability for Families | $3,560 per year | $3,656 per year |
A confirmed further 2.0 percent indexation for the 2026 tax year will raise the single basic maximum to $1,665 and the family maximum to $2,869, but those rates will not affect advance payments until the July 2027 cycle after you file your 2026 return.
Income Thresholds and Phase-Out Ranges
The CWB uses a phase-in and phase-out formula that determines how much of the maximum benefit you actually receive based on your adjusted net income reported to the CRA. The benefit phases in at 27 percent of every dollar of working income above $3,000 until it reaches the maximum, and then phases out at 15 percent of adjusted net income above the phase-out threshold.
Single Individuals Thresholds
- Minimum working income required is $3,000
- Basic phase-out begins at $26,855
- Basic benefit reaches zero at $37,742
- Disability supplement phase-out begins at $37,740
- Disability supplement reaches zero at $43,360
Family Thresholds
- Minimum working income required is $3,000
- Basic phase-out begins at $30,639
- Basic benefit reaches zero at $49,393
- Disability supplement phase-out begins at $49,389
- Disability supplement reaches zero at $55,009 if one spouse qualifies, or $60,629 if both spouses qualify
Workers whose income sat just above the previous phase-out ceiling could find themselves qualifying for a partial CWB payment for the first time under the higher 2025 thresholds. The secondary earner exemption for families has also increased to approximately $16,386 for the 2025 tax year, which helps couples keep more of the benefit when both partners are working.
How Your ACWB Payments Are Calculated
The CRA calculates your ACWB by first determining your full annual CWB entitlement using the phase-in and phase-out formula, then dividing 50 percent of that amount into three equal installments.
Single Worker Earning $15,000
Working income of $15,000 phases in the benefit at 27 percent of the $12,000 above the $3,000 minimum, producing a phase-in amount of $3,240. Since $3,240 exceeds the $1,633 maximum, the benefit is capped at $1,633 for the year. The 50 percent advance entitlement is $816.50, divided into three installments of approximately $272 each arriving on July 10, October 9, and January 2027.
Single Worker Earning $30,000
At $30,000 in adjusted net income, the phase-out reduction applies at 15 percent of the $3,145 that exceeds the $26,855 threshold, producing a reduction of $472. The annual CWB is $1,633 minus $472, totaling $1,161 for the year. The 50 percent advance entitlement is $580.50, divided into three installments of approximately $194 each. This is a noticeable increase over what the same worker received during the January 2026 advance cycle when the lower 2024 thresholds applied to their income.
Family Earning $35,000 Combined
A family with $35,000 in adjusted family net income is above the 2025 family phase-out threshold of $30,639, so the full $2,813 maximum basic family CWB is reduced. At $35,000, the family is $4,361 above the $30,639 phase-out threshold. A 15 percent reduction lowers the $2,813 maximum by about $654, leaving an annual CWB entitlement of about $2,159. The 50 percent advance entitlement is therefore about $1,079, divided into three installments of approximately $360 each.
Disability Supplement and Canada Disability Benefit
Workers who hold a valid Disability Tax Credit certificate receive the CWB disability supplement of up to $843 per year on top of the basic benefit, bringing the maximum annual CWB to $2,476 for single disabled workers and $3,656 for families.
Many disability supplement recipients also qualify for the Canada Disability Benefit, which provides a separate monthly payment of up to $200 through June 2026 and $204 starting in July under a confirmed 2 percent indexation.
The CDB and the CWB disability supplement are administered by different agencies and calculated independently, but both require a valid DTC certificate to qualify. CDB income from Service Canada does not count as working income for the CWB exemption, and ACWB advance payments do not count as income for CDB calculations either, making the two benefits fully stackable for disabled workers who meet both sets of eligibility requirements.
A single disabled worker earning $15,000 who qualifies for both the maximum ACWB (including disability supplement) and the full CDB would receive approximately $413 per ACWB installment plus $204 per month from the CDB, totaling over $600 per month in federal disability and worker support before adding any provincial benefits.
ACWB Payment Dates 2026 to 2027
The three advance installments for the new cycle are confirmed on the official CRA benefit payment dates page and arrive on the following dates:
- July 10, 2026
- October 9, 2026
- January 8, 2027
These three deposits complete the ACWB cycle for 2025 tax year amounts, and the remaining 50 percent of your CWB is claimed when you file your 2026 tax return in spring 2027.
How to Access the Advanced Canada Workers Benefit
The Canada Workers Benefit does not require a separate application because the CRA automatically determines your eligibility and calculates your entitlement when your income tax return is assessed. Since the 2019 tax year, the CRA has used an automatic enrollment system to identify eligible filers for the Canada Workers Benefit.
Electronic filers can usually follow the prompts in certified tax software, while paper filers may still need to complete Schedule 6, Canada Workers Benefit, depending on their filing situation.
The Advanced Canada Workers Benefit advance payments are also issued automatically once your return is assessed, provided you qualified for the CWB in the applicable tax year. If the CRA determines you are entitled to the CWB based on your 2025 return, your first advance installment for the new cycle will be deposited on July 10, 2026, without any action required on your part.
Workers who have direct deposit set up through CRA My Account will receive the payment on the morning of each scheduled date, while those without direct deposit will receive a mailed cheque within five to ten business days after the official date. Official updates regarding these payments can always be tracked directly on Canada.ca.
How the CWB Reconciliation Works at Filing Time
The ACWB advance payments are an estimate based on the income reported on your previous tax return, and they must be reconciled against your actual CWB entitlement when you file your next return.
- If your actual 2025 income was lower than your 2024 income, you likely received smaller advance payments than you were entitled to, and the difference will be added to your tax refund or used to reduce any taxes owing.
- If your income was higher than the CRA estimated, you may have received more in advances than your actual entitlement, and the excess will be recovered from your refund or added to your tax balance owing.
This reconciliation happens automatically when the CRA processes your return, and no separate form or request is required. Workers whose income fluctuates significantly from year to year should pay particular attention to this process, because a large income increase in 2025 could result in an overpayment recovery that reduces or eliminates a future tax refund.
Other Government Benefits Increasing Alongside the ACWB in July
The ACWB increase arrives as part of a significant benefit adjustment period for 2026:
- Canada Child Benefit: Rising to a maximum of $8,157 per child under six years old, up from the $7,997 maximum that was in effect through the April and May CCB payment periods.
- Canada Groceries and Essentials Benefit: This program launches with 25 percent higher quarterly payments on July 3, 2026, officially replacing the old GST/HST credit program on Canada.ca.
- Old Age Security: Canadian seniors will see a confirmed 1.2 percent quarterly OAS increase, the largest single-quarter adjustment of 2026, building on the April quarterly increase that raised the maximum past $743.
- Ontario Trillium Benefit: Ontario residents will receive a new Ontario Trillium Benefit cycle with indexed amounts calculated from their 2025 returns, and the OTB lump-sum threshold increased from $360 to $500 under the Ontario Budget.
Low-income workers who qualify for the ACWB often also receive several of these other benefits, including CPP and OAS pension payments for older workers approaching retirement, and the combined effect of all July increases can represent a significant overall household income boost. Ontario families on ODSP who also qualify for the ACWB disability supplement should verify their provincial benefit entitlements through their caseworker, and residents receiving multiple Ontario-specific CRA payments should check CRA My Account for updated amounts reflecting the new benefit year.
The July 10 deposit marks the start of a new ACWB advance cycle with higher amounts calculated from 2025 tax returns and confirmed indexed benefit rates. Eligible workers who filed their 2025 return on time will see the increased payment arrive automatically through direct deposit. Workers who have not yet filed should submit their return as soon as possible to avoid missing the July 10 installment and to unlock retroactive catch-up payments once their assessment is complete.
Frequently Asked Questions
What is the ACWB payment in Canada?
The ACWB payment is the advance version of the Canada Workers Benefit. It allows eligible low-income workers to receive part of their estimated Canada Workers Benefit before filing their next tax return. Instead of waiting to claim the full refundable tax credit at tax time, eligible workers can receive up to half of their estimated annual CWB through advance payments issued during the benefit cycle.
What does ACWB stand for?
ACWB stands for Advanced Canada Workers Benefit. It is not a separate benefit from the Canada Workers Benefit. It is the advance payment portion of the CWB, designed to send part of the benefit earlier to eligible workers based on their most recently assessed tax return.
What is an RC210 ACWB statement?
An RC210 statement is a CRA-issued tax slip related to advanced Canada Workers Benefit payments. It shows the ACWB amounts you received during the year. You need the RC210 information when filing your tax return so the CRA can reconcile your advance payments against your final Canada Workers Benefit entitlement.
Are ACWB advance payments taxable?
The advance payments themselves are not taxable income, because they represent an early delivery of a refundable tax credit you would otherwise receive at filing time. The total CWB entitlement is reconciled when you file your next tax return, and any difference between advances received and actual entitlement is settled through your refund or balance owing.
Why did I receive an RC210 slip from the CRA?
You receive an RC210 slip if you received Advanced Canada Workers Benefit payments during the year. The slip helps report the advance payments that were already issued to you. These payments are then reconciled when your final Canada Workers Benefit amount is calculated after you file your tax return.
Who is eligible for the ACWB payment?
You are eligible for ACWB if you qualify for the Canada Workers Benefit and have filed an assessed tax return for the relevant tax year. Eligibility depends on working income, adjusted net income, marital status, province or territory of residence, age, and whether you qualify for the disability supplement. The CRA calculates eligibility automatically using your assessed return.
Is ACWB part of upcoming Canadian government benefit payments?
The ACWB is one of the federal benefit payments that eligible Canadians receive. It is separate from other payments such as the Canada Child Benefit, the Canada Groceries and Essentials Benefit, Old Age Security, the Canada Disability Benefit, and provincial benefits. Some low-income workers qualify for more than one government payment depending on their income, family situation, disability status, age, and province of residence. Information regarding all related provincial and federal frameworks can be verified on the official Canada.ca platform.
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