The Advanced Canada Workers Benefit (ACWB) provides eligible low- and moderate-income workers with advance payments of the Canada Workers Benefit (CWB). Instead of waiting until tax time, recipients receive part of their benefit spread out across the year.
In 2025, the ACWB continues to help working Canadians cover rising costs by offering earlier access to financial relief. This guide explains the eligibility rules, maximum payment amounts, and the 2025 payment schedule.
What Is the Advanced Canada Workers Benefit (ACWB)?
The ACWB is an automatic prepayment of the Canada Workers Benefit (CWB). Recipients who qualify for the CWB will receive up to 50% of their entitlement in advance payments throughout the year.
The remaining balance is received after filing your tax return.
Who Qualifies for ACWB in 2025?
You may qualify for ACWB if you are eligible for the Canada Workers Benefit (CWB). Key eligibility includes:
- Age: At least 19 years old (or living with a spouse/common-law partner or child).
- Residency: Must be a Canadian resident throughout the year.
- Income Thresholds (2025 estimates):
- Single individuals: Net income below approx. $33,000.
- Families: Net income below approx. $43,000.
- Employment: Must have working income from employment or self-employment.
Maximum ACWB Amounts for 2025
The CWB is made up of two parts — a basic amount and a disability supplement.
Basic Amount (2025)
- Up to $1,590 for single individuals.
- Up to $2,739 for families.
Disability Supplement (2025)
- Additional up to $737 per eligible individual.
Advance Payment Portion (ACWB)
- Eligible recipients receive up to 50% of their estimated benefit in three installments during the year.
- The remainder is paid after filing taxes.
ACWB Payment Dates for 2025
Advance payments are issued three times a year. For 2025, the expected dates are:
- July 12, 2025
- October 12, 2025
- January 12, 2026
Payments are made by direct deposit or mailed cheque (if banking info is not provided).
Also read: $2,739 Canada Worker Benefit November 2025: Eligibility, Income Limits, and Payment Dates
How to Apply for ACWB
You do not need to apply separately. If you are eligible for the CWB, the CRA will automatically determine your entitlement and issue advance payments.
Steps to ensure you receive ACWB:
- File your taxes on time every year.
- Report your working income accurately.
- Keep your direct deposit details up to date with the CRA.
Key Benefits of ACWB
- Faster access to money: Instead of waiting until tax season, part of your benefit arrives throughout the year.
- Automatic enrollment: No separate application needed.
- Helps low-income workers cover essential expenses.
Frequently Asked Questions
1. Do I have to repay ACWB if my income changes?
Yes, if your actual income in 2025 is higher than estimated, you may receive a smaller final benefit when filing taxes.
2. Can I opt out of ACWB?
Yes, you can contact CRA to stop advance payments if you prefer receiving the full benefit at tax time.
3. Is ACWB taxable?
No, it is a tax-free benefit.
Conclusion
The Advanced Canada Workers Benefit (ACWB) provides crucial support to low- and moderate-income workers by giving early access to the CWB. With payments issued in July, October, and January, this program helps Canadians manage expenses more effectively throughout the year.