6 CRA Benefits Coming in February 2026 That Could Put $3,500+ in Your Pocket
February 2026 is shaping up to be a lucrative month for Canadian taxpayers. With multiple government benefit payments scheduled, eligible Canadians could receive a significant boost to their bank accounts. Here’s exactly what you need to know—and how to ensure you don’t leave money on the table.
The February 2026 Benefit Calendar
Here’s the payment schedule you need to mark on your calendar:
- February 10: Ontario Trillium Benefit
- February 20: Canada Child Benefit (CCB)
- February 25: Canada Pension Plan (CPP)
- GST/HST Credit: Quarterly payment (exact date varies by province)
1. Canada Child Benefit (CCB) - Up to $7,437 Per Year Per Child
The CCB provides tax-free monthly payments to eligible families. For 2026, the maximum annual amounts are:
- Under 6 years old: $7,437 per child
- ** ages 6-17**: $6,275 per child
Action Step: If your income decreased in 2025, file your taxes ASAP. The CRA recalculates your CCB based on your previous year’s income. A lower income = higher payments.
2. GST/HST Credit - Up to $1,000+
This quarterly credit offsets the GST/HST you pay. For couples with children, this can be several hundred dollars per payment.
Action Step: Ensure you’re registered for direct deposit with the CRA. Payments clear faster and you won’t miss them if you’re away.
3. Ontario Trillium Benefit (OTB)
Ontario residents receive the OTB, which combines:
- Ontario Energy and Property Tax Credit
- Northern Ontario Energy Credit
- Ontario Sales Tax Credit
Action Step: Ontario Trillium Benefit payment date is February 10, 2026. If you haven’t received it, check your My CRA Account.
4. Canada Pension Plan (CPP)
CPP payments go out on February 25, 2026. If you’re already receiving CPP:
- Maximum monthly payment: $1,306.57 (2026)
- Average monthly payment: $815.47
Action Step: Use the CPP Retirement Pension Calculator to estimate your benefits and decide the best time to start.
5. Canada Workers Benefit (CWB) - Up to $2,000
The CWB provides tax credits to low-income workers. For 2026:
- Maximum individual benefit: $1,428
- Maximum couple benefit: $2,460
Income thresholds: Singles earning under $26,855 may qualify. No reapplication needed—it’s automatic after filing taxes.
Action Step: File your 2025 taxes before March 31 to receive your CWB in July 2026.
6. Climate Action Incentive (CAI) Rebate
Albertans, Saskatchewanians, Manitobans, and Ontario residents receive quarterly rebates:
- Average family of 4: $1,000+ annually
Action Step: This is automatically calculated based on your tax return. No separate application needed.
My Take
The key theme here is simple: File your taxes early. The CRA uses your previous year’s income to calculate benefits. If you had lower income in 2025, filing early ensures you get the correct (higher) amounts starting in July 2026.
I learned this the hard way when I delayed filing one year and missed out on several hundred dollars in benefit adjustments for months.
Your Action Items Today:
- Set up direct deposit with CRA at canada.ca/my-cra
- Calculate your expected benefits using the CRA’s online calculators
- File your 2025 taxes if you haven’t already
- Check your My CRA Account for any missing payments
Don’t let the government hold your money interest-free. These benefits are designed to help—make sure you’re getting every dollar you’re entitled to.
