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Canada Workers Benefit (CWB) Refundable Tax Credit

Line 45300 on the tax return.

Income Tax Act s. 122.7

Tables of Amounts for CWB/WITB

Canada Workers Benefit (CWB)

CWB on the Tax Return

Which Spouse Claims the CWB?

Canada Workers Benefit on the Canadian Income Tax Calculators

CWB Eligibility

Secondary Earner Exemption

CWB Family Working Income

CWB Adjusted Net Income

CWB Disability Supplement

Automatic Advance Payments for the Canada Workers Benefit - started July 2023

Previous CWB Prepayment / Advance Payments

Working Income Tax Benefit (WITB) - 2018 & Earlier Years

Canada Workers Benefit (CWB)

The Canada Workers Benefit (CWB) is a refundable tax credit. If the credit is greater than the taxes payable, the excess will be refunded. This is one of the reasons you should file a tax return even if you don't expect that you'll owe taxes.

The CWB is available for 2019 and subsequent years, for low-income individuals or families with working income over $3,000 (most provinces/territories).  The CWB calculations differ for Alberta, Quebec and Nunavut.

Tax Tip: File a tax return even if you won't owe taxes, in order to qualify for benefits!

CWB on the Tax Return

For the CRA information on the working income tax benefit, and to get Schedule 6 on which it is calculated, see the CRA web page Line 45300 - Canada workers benefit.

Advance payments that have been received during the year are on tax slip RC210, and are recorded on line 41500 of the tax return.

Which Spouse Claims the CWB?

If you have an eligible spouse, only one of you can claim the basic CWB.  The person who received the CWB advance payment for the year must claim the basic CWB for the year.

If both spouses are eligible and one is eligible for the disability tax credit (DTC), that person should claim the basic CWB and the CWB disability supplement.

If both spouses are eligible and both are eligible for the DTC, only one spouse can claim the CWB, but each spouse must claim the CWB disability supplement on a separate Schedule 6.

Canada Workers Benefit on the Canadian Income Tax Calculators

Canadian Income Tax Calculator

Quebec Income Tax Calculator

The above detailed calculators include a calculation of the CWB, but you are required to indicate whether or not you are eligible to receive the benefit.  If you indicate that you qualify, the calculator will determine the amount you will receive, if any, based on your income.  Read the following information to determine the correct answer to that question.

CWB Eligibility

Eligible Individual

An eligible individual is an individual (other than an ineligible individual) who was resident in Canada throughout the taxation year, and who was, at the end of the taxation year

Eligible Spouse

An eligible spouse of an eligible individual is an individual (other than an ineligible individual) who was resident in Canada throughout the taxation year and who was, at the end of the taxation year the cohabiting spouse or common-law partner of the eligible individual.

Ineligible Individual

An ineligible individual is an individual:

Eligible Dependant

An eligible dependant of an individual for a taxation year means a child of the individual who, at the end of the year,

Secondary Earner Exemption

In 2021 a "secondary earner exemption" was introduced, which is a special rule for individuals with an eligible spouse.  This allows the lower-income spouse to exclude up to $14,000 of their working income in the computation of the couple's adjusted net income, for the calculation of the CWB phase-out. The $14,000 has been indexed annually starting in 2022.

The CWB is calculated on Schedule 6 of the income tax return, and is then entered on line 45300 on page 4 of the tax return.  See tax packages for all years on the CRA website.

CWB Family Working Income

Income of both spouses is included in family working income if both are eligible for CWB.

Family working income includes:

CWB Adjusted Net Income

Adjusted net income is the individual's net income from line 23600 of the tax return, with adjustments related to UCCB and RDSP income, income earned/received on a reserve, and allowances received as an emergency volunteer.

CWB/WITB Disability Supplement

The benefit includes an additional disability supplement for each individual (other than a dependant) who is eligible for the disability tax credit (DTC). See the benefit tables by year for amounts used in each province/territory.

See also - links to all information on TaxTips.ca related to persons with disabilities.

Automatic Advance Payments for the Canada Workers Benefit

Beginning in 2023:

As noted by the Parliamentary Budget Office on page 7 of the November 15, 2022 Fall Economic Statement 2022 Issues for Parliamentarians, "Not requiring repayment of federal benefits for ineligible individuals is a pronounced departure from the existing federal tax and transfer system."

Previous CWB Prepayment / Advance Payments

CWB advance payments have now been replaced by automatic advance payments based on the prior year's tax return - see above.

Individuals and families who were eligible for the CWB could apply to CRA for a prepayment of one-half of their estimated benefit, as long as the estimated benefit was at least $200 for the year.  Evidence had to be provided of expected earned income and proof of residency in Canada.  Prepayments were made as part of the Goods and Services Tax Credit (GSTC) payment cycle.

Eligible individuals and families could apply for the prepayment on their tax return, or by using the CRA form RC201 Canada Workers Benefit Advance Payment.

If a prepayment becomes repayable to the government, interest will be charged in the same manner as interest on underpayments of income tax.  If a prepayment has been made for a taxation year, no prepayment will be made for a subsequent tax year until the tax return for the earlier year is filed.

Advance payments of CWB are entered on Line 41500 of the tax return, and are thus added to net tax payable.

Working Income Tax Benefit (WITB) - 2018 & earlier years

The 2018 federal budget brought in legislation to rename the WITB to the Canada Workers Benefit, and to enhance the benefit, effective for the 2019 taxation year.  See the link below for a comparison of the 2019 Canada Workers Benefit vs the 2018 WITB.

The working income tax benefit (WITB) was a federal refundable tax credit which was been available from 2007 to 2018, for low-income individuals or families with working income over $3,000 (base amount for most provinces and territories).  The calculations for Alberta, BC, Quebec, and Nunavut differed from the amounts for other provinces and territories.

Tables of Amounts for CWB/WITB

The tables summarize all of the amounts related to the calculation of the CWB and WITB, including base amounts of working income, percentages used in the calculation, maximum benefit, and income amounts above which the benefit is not available.

2025 amounts - all provinces and territories except Quebec

2025 amounts - Quebec

2024 amounts - all provinces and territories except Quebec

2024 amounts - Quebec

2023 amounts - all provinces and territories except Quebec

2023 amounts - Quebec

2022 amounts - all provinces and territories except Quebec

2022 amounts - Quebec

2021 amounts - all provinces and territories except Quebec

2021 amounts - Quebec

2020 amounts - all provinces and territories except Quebec

2020 amounts - Quebec

2019 amounts - all provinces and territories except Quebec

2019 amounts - Quebec

2019 Canada Workers Benefit amounts vs 2018 WITB amounts - most provinces and territories

Working Income Tax Benefit (WITB) Amounts

2018 amounts - all provinces and territories except Quebec

2018 amounts - Quebec

2017 amounts - all provinces and territories except Quebec

2017 amounts - Quebec

2016 amounts - all provinces and territories except Quebec

2016 amounts - Quebec

2015 amounts - all provinces and territories except Quebec

2015 amounts - Quebec

2014 amounts - all provinces and territories except Quebec

2014 amounts - Quebec

2013 amounts - all provinces and territories except Quebec

2013 amounts - Quebec

2012 amounts - all provinces and territories except Quebec

2012 amounts - Quebec

2011 amounts - all provinces and territories except Quebec

2011 amounts - Quebec

2010 amounts - all provinces and territories except Quebec

2010 amounts - Quebec

2009 amounts - all provinces and territories except Quebec

2009 amounts - Quebec

2008 amounts

2007 amounts