ACWB Payment Dates 2026-27: The latest ACWB payment dates show that two of the three advance deposits for the 2026-27 benefit year are already in bank accounts. The Canada Revenue Agency paid the Advanced Canada Workers Benefit on July 10 and again on Friday, October 9, 2026, and the third and last instalment is due in January 2027. Here is the catch: the CRA’s own payment calendar lists only the three 2026 dates, so the exact January 2027 date has not been published yet. For this benefit year, a single worker can receive up to $816.50 in advances, which is about $272 a payment, and a worker in a family can receive up to $1,406.50, or about $469 a payment. The Advanced Canada Workers Benefit is paid automatically, so there is nothing to apply for, as long as you claimed the Canada Workers Benefit on your last return. We’ll be updating this article monthly.
The timing matters for budgets. October 9 was the last ACWB deposit of the 2026 calendar year, which means roughly three months pass before the next one arrives. Money from the Canada Child Benefit arrives on November 20 and December 11, and the Ontario Trillium Benefit on November 10 and December 10, but those are separate programs with their own rules. For anyone who works for low pay, the ACWB is a quiet but useful top-up, because it puts up to half of your yearly Canada Workers Benefit in your hands before tax time. This guide gives you every date, the exact amounts, the income limits, a calculator, and a plain walkthrough of eligibility, processing and payment rules. Every official figure below was checked against Canada Revenue Agency pages on November 4, 2026, and anything we could not confirm is clearly labelled in the text so you can judge it yourself.
ACWB Payment Dates 2026-27 Key Highlights
| Item | Latest detail |
|---|---|
| What it is | Up to 50% of your yearly Canada Workers Benefit, paid early in three instalments |
| Who pays it | Canada Revenue Agency, tax-free |
| Benefit year | July 2026 to June 2027, based on your 2025 tax return |
| Last payment made | Friday, October 9, 2026 |
| Next payment | January 2027, exact date not yet posted by the CRA |
| Maximum advance, single | $816.50 a year, about $272.17 per payment |
| Maximum advance, family | $1,406.50 a year, about $468.83 per payment |
| Disability supplement advance | Up to $421.50 a year, about $140.50 per payment |
| Application | None needed, the CRA works it out from your return |
| Missing payment | Wait 10 working days before calling the CRA |
ACWB Payment Schedule: Every Date From 2025 to 2027
| Payment | Date | Benefit year | Status |
|---|---|---|---|
| January 2026 | January 12, 2026 | 2025-26 | Paid |
| July 2026 | July 10, 2026 | 2026-27 | Paid |
| October 2026 | October 9, 2026 | 2026-27 | Paid |
| January 2027 | Early January 2027 | 2026-27 | Date not yet posted by the CRA |
| July 2027 | Expected around July 12, 2027 | 2027-28 | Not yet scheduled |
The CRA says the advance payments follow a standard pattern of July 12, October 11 and January 10. When one of those days lands on a weekend or federal holiday, the payment is made on the last business day before it. That explains why October 11, 2026, a Sunday, became Friday, October 9. If you are wondering why January 12, 2026 does not fit that rule, so are we. January 10, 2026 was a Saturday, and the CRA calendar still shows Monday, January 12.
ACWB October 9 Payment: What Happened and What Comes Next
The October 9 deposit was the second instalment of the 2026-27 benefit year, and it is the final ACWB payment you will see in calendar 2026. It reached eligible Canadians who receive direct deposit on the morning of the payment date. Ontario residents also received an Ontario Trillium Benefit deposit that same Friday. The amount should match your July payment unless your account was reassessed in between.
If you did not get money, do not panic yet. The CRA tells people to wait 10 working days after the scheduled date before contacting it, and mailed cheques simply take longer. The first thing to check is whether you claimed the Canada Workers Benefit on your 2025 return, because the advance is built from your last assessed return. If you did not claim it last year, you do not receive advances this year, although you can still claim the benefit when you file your next return.
When Is the Next ACWB Payment? January 2027 Date Explained
Because the third instalment falls in January, many people search for the exact day. The honest answer is that nobody outside the CRA knows yet. The CRA benefit payment calendar currently shows no ACWB dates for 2027.
Here is what we can say. Under the CRA’s standard pattern, the January payment is on January 10. In 2027, January 10 is a Sunday, so the weekend rule points to Friday, January 8. But the January 2026 payment broke that rule and was made on Monday, January 12, so Monday, January 11, 2027 is also possible. Treat January 8 and January 11 as the two likeliest dates, and do not plan a bill payment around either until the CRA confirms. You can sign up for payment reminders in My Account, which the CRA sends about one week before each deposit.
ACWB Amounts for 2026-27: How Much You Will Get
The CRA pays up to 50% of your estimated Canada Workers Benefit in three equal instalments. If you qualify for the disability supplement, you also receive 50% of that amount with your basic payments.
| Situation | Maximum yearly benefit | Maximum ACWB advance | Per payment |
|---|---|---|---|
| Single, basic amount | $1,633 | $816.50 | $272.17 |
| Family, basic amount | $2,813 | $1,406.50 | $468.83 |
| Disability supplement | $843 | $421.50 | $140.50 |
| Single with disability supplement | $2,476 | $1,238.00 | $412.67 |
| Family, one spouse with supplement | $3,656 | $1,828.00 | $609.33 |
| Family, both spouses with supplement | $4,499 | $2,249.50 | $749.83 |
These are the most you can receive, and they apply to the Rest of Canada. Your own amount depends on your working income, your adjusted family net income, where you live and your family situation. The disability supplement needs an approved Form T2201 on file with the CRA.
Why Your ACWB Is Not $1,665: 2025 vs 2026 Canada Workers Benefit Amounts
You may have seen news that the Canada Workers Benefit rose in 2026. That is true. The CRA indexed the amounts by 2.0% for 2026, which lifts the maximum for a single person to $1,665 from $1,633, the maximum for a family to $2,869 from $2,813, and the disability supplement to $860 from $843.
So why are the ACWB payments you received in July and October still based on $1,633 and $2,813? Our reading of the CRA pages is that the benefit year from July 2026 to June 2027 draws on your 2025 return and the 2025 tax year figures. The CRA’s own ACWB page is labelled tax year 2025 and lists $1,633 and $2,813. The higher 2026 amounts apply to the 2026 tax year, which you claim when you file in spring 2027, and they should flow into advances from July 2027. A few news articles describe bigger July 2026 payments using the 2026 figures, but we could not match that to the CRA pages, so we use the 2025 numbers throughout. If your deposits differ from our table, check your My Account for the CRA’s exact figure.
ACWB Income Limits: When Payments Start to Shrink and Stop
The Canada Workers Benefit builds up as you earn and shrinks as your income rises. These are the CRA’s 2025 tax year limits for the Rest of Canada.
| Category | Reduction begins at | Benefit ends at |
|---|---|---|
| Basic amount, single | $26,855 | $37,742 |
| Basic amount, family | $30,639 | $49,393 |
| Disability supplement, single | $37,740 | $43,360 |
| Disability supplement, family, one spouse eligible | $49,389 | $55,009 |
| Disability supplement, family, both spouses eligible | $49,389 | $60,629 |
You must also have working income above the CRA’s minimum threshold of $1,150. One secondary source adds that the basic amount grows at 27% of working income above $3,000 until it reaches the maximum, and the numbers fit the published limits, but that detail is not on the CRA page we reviewed, so treat it as an estimate.
ACWB Income Limits in Quebec, Alberta and Nunavut
Three jurisdictions have their own versions of the benefit under agreements with Ottawa. The CRA’s 2025 net income thresholds differ for them, and the table shows where the basic benefit ends.
| Category | Rest of Canada | Quebec | Alberta | Nunavut |
|---|---|---|---|---|
| Single without children | $37,742 | $33,230.35 | $37,826 | $67,367 |
| Single with children | $49,393 | $24,561.56 | $50,232 | $67,365 |
| Family with children | $49,393 | $41,048.90 | $50,232 | $67,365 |
| Family without children | $49,393 | $51,504.09 | $50,232 | $67,365 |
The CRA says maximum amounts also differ in these places, but we did not find the exact figures, so our calculator covers the Rest of Canada only. If you live in Quebec, Alberta or Nunavut, use the CRA’s child and family benefits calculator or your My Account for your exact number.
ACWB Calculator: Estimate Your Advance Payments
Use the calculator below to estimate your yearly Canada Workers Benefit, your total ACWB advance and each of the three payments. Enter your family situation, your working income, your adjusted family net income from your 2025 return and the number of people who qualify for the disability supplement.
ACWB Calculator 2026-27
Estimate your Canada Workers Benefit, your total ACWB advance and each of the three payments. Rest of Canada only. Estimate only; the CRA makes the final decision.
| Estimated basic benefit for the year | |
| Estimated disability supplement | |
| Estimated Canada Workers Benefit | |
| Total ACWB advance (50%) | |
| Each of the three payments | |
| Balance paid at tax time |
Payment dates
| Date | Estimate |
|---|---|
| July 10, 2026 (paid) | |
| October 9, 2026 (paid) | |
| January 2027 (date not yet posted) |
How to read the result: the advance is half of the estimated yearly benefit, split into three equal payments. It is an estimate for the Rest of Canada using 2025 tax year figures. The CRA makes the final decision, and your actual payments depend on the return it last assessed.
Who Is Eligible for the ACWB
You do not qualify for the advance on its own. You qualify for the Canada Workers Benefit, and the CRA then pays part of it early. For the basic amount, the CRA requires that you have working income, that your net income is below the threshold for your province or territory, and that you were a resident of Canada for the whole year. You must also be 19 or older on December 31, or live with a spouse, common-law partner or child.
There are exclusions. A full-time student at a designated educational institution for more than 13 weeks in the year does not qualify, unless they have an eligible dependant on December 31. People confined to a prison or similar institution for at least 90 days are out, and so are diplomats and their families who do not pay Canadian tax. For the disability supplement, you also need to be eligible for the disability tax credit and have an approved Form T2201 on file. You must be a Canadian resident on the first day of the payment period.
How to Apply for the ACWB
Most people cannot apply for the ACWB directly, and they do not need to. The CRA uses your last assessed tax return. These steps keep the money flowing.
- File your tax return every year, even if your income is low. The CRA cannot calculate anything without it.
- Claim the Canada Workers Benefit on the return, using the Schedule 6 for your province or territory.
- Confirm that your direct deposit details are current in CRA My Account.
- If you have a disability, make sure Form T2201 is approved and on file.
- Check My Account under benefits and credits to see whether ACWB payments are listed for you.
- Sign up for payment reminders if you want a notice about a week before each payment.
One secondary source says your return must reach the CRA before November 1 of the benefit period to receive advances, and that date has just passed. We could not find this deadline on the CRA pages we reviewed, so verify it in My Account. If you have not filed your 2025 return, file it now, because the CRA can still pay what is owed once your return is assessed.
ACWB Processing Time: How Long Until Your First Payment
The CRA pages we reviewed do not state a processing time for the first ACWB payment. In practice, payments start on the next scheduled date after your return is assessed and the CRA finds that you are eligible. The CRA does not let you request an advance ahead of its schedule.
If you were a new filer in 2025, your first advance may start later than you hoped. Waiting to hear from the CRA is stressful, so use My Account to check whether your return shows as assessed. That is the single best sign that payments will follow on the next date.
ACWB Payment Schedule Rules: Direct Deposit, Cheques and Missing Payments
Payments arrive three times a year. Direct deposit is faster than a cheque, and you can add or change your banking details in My Account. If a payment does not show, wait 10 working days from the scheduled date before contacting the CRA. You can check your next payment date in My Account, or call the CRA's child and family benefits line at 1-800-387-1193.
Remember that ACWB deposits can look different from one benefit year to the next. If your income rose on your last return, your yearly benefit and therefore your three payments may be smaller. If you did not claim the benefit last year, your payments may stop. Keeping a record of each deposit makes tax time easier, since you will need to report the total.
Who Gets the ACWB in a Couple
Only one spouse receives the basic amount for the family. If neither spouse has the disability supplement, the spouse with the higher working income receives it. If incomes are equal, the first filer receives it. If one spouse qualifies for the disability tax credit, that person receives the family basic amount plus their own supplement. If both do, one spouse receives the basic amount and each spouse receives their own supplement.
That is why the total on your household's deposits can look uneven. It is not a mistake. It is just the way the CRA assigns a single family benefit.
What Stops or Changes ACWB Payments
According to the CRA, only three life events change advance payments partway through a period: death, incarceration and emigration. Incarceration for 90 consecutive days or more ends the remaining payments, and so does leaving Canada. A person who dies before July 1 of the benefit year is not eligible for advance payments.
Other changes, such as a new marital status, a new dependant or a move, do not affect payments unless you request a reassessment and your Canada Workers Benefit amount changes. A change during a payment period also does not alter the amount for the current quarter. You stay eligible for the payment periods before the event.
ACWB at Tax Time: RC210, Line 41500 and Schedule 6
The advance is not extra money on top of the yearly benefit. It is part of it. When you file, the CRA gives you an RC210 slip, called the Advanced Canada Workers Benefit Statement, which you can see in My Account. You report the total from all RC210 slips on line 41500 and complete the Schedule 6 for your province.
If your final Canada Workers Benefit is higher than your advances, the difference is paid with your refund. If it equals your advances, nothing more is paid. If your income rose and you were overpaid, you may owe some back. Couples report the amount for both spouses, using the person who claims the basic benefit.
ACWB vs Other Payments: What Else Arrives This Winter
The ACWB is easy to confuse with other benefits, so here is the quick list of what the CRA currently shows between now and early 2027.
| Payment | Date | Notes |
|---|---|---|
| Ontario Trillium Benefit | November 10, 2026 | Ontario residents only |
| Canada Child Benefit | November 20, 2026 | Families with children under 18 |
| Ontario Trillium Benefit | December 10, 2026 | Ontario residents only |
| Canada Child Benefit | December 11, 2026 | Families with children under 18 |
| Canada Groceries and Essentials Benefit | Early January 2027 | Date not yet posted, replaces the GST/HST credit |
| ACWB | January 2027 | Date not yet posted |
The Canada Groceries and Essentials Benefit is a separate quarterly payment for people with low and modest incomes. You can receive it in addition to the ACWB, and the two programs have different formulas and income limits.
Common Reasons an ACWB Payment Is Missing or Smaller
Several simple things trip people up. A return that was never filed is the biggest one. A return that was filed but did not claim the Canada Workers Benefit comes next, since the CRA builds advances from what you claimed. Other causes include outdated banking details, an old mailing address for cheque recipients, an income that rose above the threshold, or a spouse who was assigned the family basic amount.
If you think your payment is wrong, start by checking your latest notice of assessment and your RC210 slip. If you still disagree, you can ask the CRA to review your return, and it will explain how it calculated your amount.
Official Websites and Links for the ACWB
ACWB Payment Dates FAQs
When is the next ACWB payment?
The next ACWB payment is in January 2027. The CRA has not yet posted the exact date.
How much is the ACWB for a single person?
Up to $816.50 for the 2026-27 benefit year, which is about $272.17 per payment.
How much is the ACWB for a family?
Up to $1,406.50, or about $468.83 per payment.
Do I need to apply for the ACWB?
No. The CRA pays it automatically if you claimed the Canada Workers Benefit on your last return.
Is the ACWB taxable?
The ACWB is an advance of the Canada Workers Benefit, which is a refundable tax credit. You report the advances on line 41500 and settle the difference at tax time.
Why did I not receive the October 9 payment?
You may not have claimed the Canada Workers Benefit on your 2025 return, your income may be above the limit, or the CRA may not have assessed your return yet.
Can students get the ACWB?
Not if they were full-time students at a designated institution for more than 13 weeks, unless they have an eligible dependant on December 31.
What is the Advanced Canada Workers Benefit?
It is the early payment of up to half of your yearly Canada Workers Benefit, paid in three instalments.
Who qualifies for the Advanced Canada Workers Benefit?
Residents of Canada with working income and a low enough net income who are 19 or older, or who live with a spouse, partner or child.
How do I check my ACWB payment?
Sign in to CRA My Account and look at your payment history under benefits and credits.
What is the income limit for the ACWB?
For the 2025 tax year, a single person's basic amount ends at $37,742 and a family's ends at $49,393 in the Rest of Canada.
What is the difference between the ACWB and the CWB?
The CWB is the full yearly credit you claim when you file. The ACWB is the portion paid early.
Conclusion
The ACWB payment dates for 2026-27 are clear for the first two instalments and still waiting for the last. July 10 and October 9 are done, and January 2027 is next, with Friday, January 8 and Monday, January 11 the likeliest days. File your return every year, claim the Canada Workers Benefit, keep your direct deposit up to date, and use the calculator to see what your household should expect. Use the CRA links in the table above to confirm anything before you rely on it, and check back as we update this article monthly with each new date and number.
