The Canada Worker Benefit (CWB) is one of the most important federal programs supporting low- and modest-income workers across the country. For November 2025, eligible Canadians could receive up to $2,739 as part of the program, depending on their household income and family situation.
This article explains who qualifies, how much you can get, income limits, and when the next payments will be deposited.
What is the Canada Worker Benefit (CWB)?
The Canada Worker Benefit is a refundable tax credit administered by the Canada Revenue Agency (CRA). It is designed to provide direct financial assistance to working Canadians who earn low or modest incomes. The benefit is paid out in quarterly advance payments or as part of your tax refund.
For 2025, the maximum amounts are indexed to inflation, with the highest payout for families reaching $2,739 annually.
Eligibility for the November 2025 CWB Payment
To qualify for the November 2025 installment, you must:
- Be a resident of Canada for tax purposes throughout 2025
- Be at least 19 years old by December 31, 2025 (or living with a spouse/common-law partner, or a child)
- Have earned income from employment or business
- Meet the CWB income thresholds
You do not qualify if you are a full-time student (unless you have a dependent), were incarcerated for 90+ days during the year, or do not pay income taxes in Canada.
CWB Income Limits 2025
Income limits vary depending on your family status. For 2025:
- Singles: The maximum benefit is phased out once net income exceeds approximately $25,000 to $33,000.
- Families (with spouse or common-law partner): The maximum benefit phases out between $28,000 and $43,000, depending on the number of children.
The CRA automatically calculates your exact entitlement when you file your tax return or sign up for advance payments.
Payment Dates for November 2025
The CRA issues CWB advance payments quarterly. The payment schedule for 2025 is:
- January 12, 2025
- July 12, 2025
- October 12, 2025
- November 12, 2025 (final installment for the year)
Direct deposits typically appear within 2–3 business days, while mailed cheques may take longer.
How Much Can You Get in November 2025?
The maximum CWB amounts for 2025 are:
- Up to $1,518 for single individuals without children
- Up to $2,739 for families with children
The exact amount you receive in November depends on:
- Your reported net income from 2024 taxes
- Family status (single, married, or with children)
- Whether you opted into advance quarterly payments
How to Apply for the CWB
You do not need a separate application if you file your taxes. The CRA calculates your eligibility and issues payments automatically. To receive quarterly installments, you must opt-in by checking the appropriate box on your tax return.
For those not enrolled in quarterly payments, the full credit will be added to your tax refund in 2026.
Common Questions about the November 2025 CWB Payment
When will I get the November 2025 CWB payment?
The CRA will issue it on November 12, 2025.
Do I need to apply again for November 2025?
No, once you file your 2024 tax return and qualify, the CRA automatically includes you in the payment cycle.
What if I didn’t file my taxes?
You must file your 2024 taxes before September 2025 to be eligible for November’s CWB installment.
Can I get the CWB if I’m self-employed?
Yes. Any earned income, including self-employment income, counts toward eligibility.
Final Thoughts
The Canada Worker Benefit is one of the most impactful federal programs helping low- and modest-income workers manage the rising cost of living. If you qualify, make sure your taxes are filed and direct deposit information is up to date to avoid delays in your November 2025 payment.
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