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Canada Child Benefit calculator

Canada Child Benefit calculator answers a concrete Canadian money task with visible methodology, source links, related tools, limitations, and a dated editorial review. Estimate Canada Child Benefit amounts using household, child, and income assumptions.

Last reviewed: 2026-05-16

What this page covers

Estimate Canada Child Benefit amounts using household, child, and income assumptions.

This page has a clear Canadian reader task, visible limitations, dated review notes, and source links that can be checked without signing in. The interactive app below may add calculators, tables, charts, or article formatting; this overview keeps the core context available when JavaScript is slow or unavailable.

Practical use cases

  • Run a conservative Canada Child Benefit calculator scenario first, then adjust only one input at a time so the reader can see which assumption changed the result.
  • Compare the estimate with an official account, notice, benefit statement, employer document, lender quote, or government table before acting.
  • Use the result as a planning range, not as a filing instruction, lending approval, benefit entitlement, or personalized financial recommendation.

Sources checked

  • Canada Revenue Agency
  • Financial Consumer Agency of Canada
  • Statistics Canada

How to use this page

How to use Canada Child Benefit calculator. Estimate Canada Child Benefit amounts using household, child, and income assumptions. This calculator is written for Canadian readers who need enough context to decide what to check next, not just a bare field, rate, table, or product name. Start with the page purpose, then compare the examples, sources, limitations, and related pages before acting. Run a conservative Canada Child Benefit calculator scenario first, then adjust only one input at a time so the reader can see which assumption changed the result. Compare the estimate with an official account, notice, benefit statement, employer document, lender quote, or government table before acting. If the topic affects a tax filing, benefit application, credit decision, home purchase, investment choice, payroll question, or immigration-adjacent money plan, treat the page as a planning aid and keep the official source open while you work.

What can change the answer. The main assumptions are the numbers the reader enters, the province or account type selected, the public rates or thresholds used by the calculator, and the timing of the decision. A calculator result can change when tax brackets, benefit thresholds, interest rates, payroll rates, contribution limits, or local housing costs change. For Canada Child Benefit calculator, the safest workflow is to change one input or fact at a time and write down which assumption moved the result. That makes it easier to separate a real decision from noise caused by an outdated rate, a rounded estimate, a promotional offer, a province-specific rule, or a missing household detail. Use the result as a planning range, not as a filing instruction, lending approval, benefit entitlement, or personalized financial recommendation. When a page compares products or paths, the comparison is framed around reader fit, fees, limits, eligibility, time horizon, and tradeoffs rather than a single universal winner.

Where to verify Canada Child Benefit calculator. The source list for this page includes Canada Revenue Agency, Financial Consumer Agency of Canada, Statistics Canada. These links are chosen because primary government pages, regulators, public data providers, and issuer disclosures are better verification points than copied summaries. Use them to confirm thresholds, payment dates, rates, deadlines, contribution limits, account rules, fee schedules, and eligibility language before relying on a result. LoonieLabs keeps a visible reviewed date so readers can judge whether a page is current enough for the decision they are making. If a linked source changes, the corrections page and contact page give readers a direct way to flag the issue.

Limitations for Canada Child Benefit calculator. The result is an estimate, not a filing instruction, loan approval, account recommendation, tax assessment, benefit entitlement, or legal conclusion. It is useful for comparing scenarios and spotting the variables that matter, but it cannot know every payroll setting, deductible expense, lender rule, employer policy, household change, or agency decision. LoonieLabs publishes plain-language educational material and keeps advertising separate from editorial ordering, examples, calculator formulas, warnings, and source selection. A page can still be useful when it narrows a question, shows the variables that matter, and points to stronger evidence, but it should not be used to bypass a notice, assessment, quote, contract, statement, or professional review that applies to the reader's own facts.

Privacy and data handling. Calculator-style pages process ordinary inputs in the browser where possible, and analytics pageviews are sent without calculator query strings. Optional analytics and advertising storage are controlled through consent choices. LoonieLabs does not sell calculator inputs, does not require an account for these tools, and does not use personalized ad targeting in the current launch configuration. Those privacy choices matter because many pages involve taxes, benefits, housing, credit, investing, newcomer planning, family income, or other sensitive household decisions.

Related next steps. Readers using Canada Child Benefit calculator may also want All Canadian calculators, Benefits finder, Editorial methodology, Corrections policy, Financial disclaimer. Related links are meant to connect the next practical task: checking methodology, reading the disclaimer, reporting a correction, comparing a calculator result, or finding a broader guide. If the page is too narrow for the reader's situation, those links should make it easier to move from an estimate to a source-backed explanation. If the page cannot answer the question with enough Canadian context, the correct next step is to verify with an official source, a regulated institution, an employer, a lender, or a qualified professional.

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  3. Canada Child Benefit Calculator
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2026 updated
Canada

Canada Child Benefit Calculator 2026

Part of: Canadian Government Benefits →

What changed for the 2025–26 benefit year

Maximum CCB is $7,787/yr per child under 6 and $6,570/yr per child 6–17. Phase-out still starts at $36,502 net family income. See 2026 payment dates →

Estimate your CCB

Ontario adds up to $1,680/yr per child via the Ontario Child Benefit (OCB).

Your inputs are saved on this device and reflected in the URL.

Notes from the editor

When I plugged a friend's BC family numbers into CRA's own benefits calculator and into ours side-by-side, the monthly figure matched within $2 — the small drift was them rounding to the nearest dollar at each phase-out tier.

Worked example: BC family, 2 kids under 6, $72,000 net income

For the July 2025 → June 2026 benefit year:

  • Maximum: 2 × $7,787 = $15,574/year
  • Income above $36,502 threshold: $35,498
  • 2-kid first-tier phase-out: 13.5% × $35,498 = $4,792 reduction
  • Annual CCB: ~$10,782 → about $899/month, deposited on the 20th

BC families also get the BC Family Benefit on top — separate cheque, also paid by CRA.

What changed for 2026

For the July 2025 → June 2026 year, the CCB max went up modestly with inflation indexation: $7,787 per child under 6 (was $7,437) and $6,570 per child 6–17 (was $6,275). The phase-out thresholds also shifted up to $36,502 and $79,087, meaning slightly more middle-income families now qualify for the full benefit.

Primary source: CRA — Canada Child Benefit overview

For informational purposes only. Not financial advice. Based on 2025–2026 benefit year.

How the Canada Child Benefit Works

The CCB is a tax-free monthly payment from the federal government to help families with the cost of raising children under 18. The amount you receive depends on your adjusted family net income, the number of children, and their ages.

For the 2025–2026 benefit year (July 2025 to June 2026), the maximum annual benefit is $7,787 per child under 6 and $6,570 per child aged 6 to 17. These amounts are reduced as family income exceeds $36,502.

The CCB is recalculated every July based on your tax return from the previous year. If your income changes significantly, your payments will adjust the following July. For the exact next-payment date, see our 2026 CCB payment schedule.

How the two phase-out tiers work

Most families don't realize the CCB has two separate income thresholds where reductions kick in. The first tier starts at $36,502 — a relatively low threshold meant to keep the maximum benefit going to lower-income families only. Once you cross it, every additional dollar of family net income reduces your CCB by 13.5–25 cents depending on how many kids you have.

The second tier kicks in at $79,087. It's a slower phase-out (5.7–14 cents per dollar) layered on top of the first-tier reduction. Practical impact: a single-child family making $100,000 still receives roughly $4,200/yr; the same family at $150,000 receives about $1,500/yr. That's why RRSP contributions are doubly valuable for parents — every dollar contributed reduces your AFNI and increases next year's CCB.

Shared custody and the CCB

If you have shared custody (the child lives with each parent at least 40% of the time), each parent gets 50% of the CCB they would have received as a sole caregiver. The split is based on each parent's individual AFNI, not combined — so the lower-income parent typically gets the larger half.

You don't need a court order. The CRA accepts a written agreement between parents stating the custody arrangement. If circumstances change (one parent gets primary custody), you can update the CRA via My Account or Form RC65 and the next monthly payment reflects the change.

What income year is used

The CCB benefit year runs July to June. Payments from July 2025 → June 2026 are based on your 2024 tax return. Payments from July 2026 onward will use your 2025 return. This means a major income change today won't affect your CCB until the following July.

CCB amount by child age (2025–26 benefit year)

The CCB pays a higher base for kids under 6 because childcare costs peak in those years. Once a child turns 6 the base steps down to the 6–17 amount on the next July payment. Quick reference table for full-benefit families (AFNI under $36,502):

Child age bandAnnual max / childMonthly max / childWhen base changes
0–5 (under 6)$7,787$648.91Steps down July after 6th birthday
6–17$6,570$547.50Stops month after 18th birthday
Disability supplement (any age)+$3,322+$276.83Requires approved DTC (form T2201)

AFNI phase-out reduces all amounts above $36,502 — see the methodology box for exact reduction rates.

The flip side: if you had a low-income year and didn't file because you owed nothing, you still need to file to keep the CCB flowing. Newcomers should file Form RC66 within months of arriving — see our newcomers checklist and benefits finder for the full first-year benefits map. The GST/HST credit uses the same return.

CCB calculator Ontario — provincial top-ups

Ontario families receive both the federal CCB and the Ontario Child Benefit (OCB), which pays up to $1,680/year per child under 18 (roughly $140/month). The OCB is delivered by the CRA in the same monthly deposit as the federal CCB — most Ontario parents don't realize the two amounts are bundled. The OCB phases out at 8 cents per dollar of adjusted family net income above $25,646, so a single-parent family on $40,000 still gets meaningful OCB on top of federal CCB. Worked example: an Ontario single parent with 2 kids (one under 6, one aged 6–17) and $42,000 AFNI receives roughly $13,650/yr federal CCB plus $2,055/yr OCB — total $15,705/yr tax-free, deposited as a single $1,308 monthly payment from the CRA.

Provincial top-ups across Canada (2025–26)

Outside Quebec, every province either bundles its top-up into the federal CCB or has no provincial program at all. Here's the lineup of provincial top-up amounts paid on top of federal CCB for the 2025–26 benefit year:

ProvinceProgramMax / child / yrPhase-out starts
OntarioOntario Child Benefit (OCB)$1,680$25,646
British ColumbiaBC Family Benefit$2,188$27,354
AlbertaAlberta Child and Family Benefit (ACFB)$1,469$27,024
New BrunswickNew Brunswick Child Tax Benefit (NBCTB)$250$20,000
Newfoundland and LabradorNewfoundland and Labrador Child Benefit (NLCB)$1,497$17,397
Nova ScotiaNova Scotia Child Benefit (NSCB)$1,525$26,000

Manitoba, Saskatchewan, PEI, and the territories have no separate child benefit (or fold it into a different working-income credit).

Quebec Family Allowance vs federal CCB

Quebec residents receive the same federal CCB as the rest of Canada, plus the Quebec Family Allowance (Allocation famille), administered by Retraite Québec rather than the CRA. The Family Allowance pays roughly $2,923/year base per child, plus supplements for single parents (~$1,026/yr) and a $121-per-child school supplies bonus each July. Unlike the monthly federal CCB, Quebec pays the Family Allowance quarterly (January, April, July, October). Both benefits are tax-free. Use the Quebec Family Allowance Calculator → for the Quebec portion, then add it to the federal CCB above.

CCB 2026 vs 2025 — what changed

The CCB benefit year runs July to June, so "CCB 2026" generally refers to the July 2025 → June 2026 cycle (based on 2024 tax returns). Maximum amounts are indexed to inflation each July:

Component2024–25 (prev yr)2025–26 (this yr)Change
Max per child under 6$7,437$7,787+$350
Max per child 6–17$6,275$6,570+$295
Phase-out tier 1 starts$36,502$36,502unchanged
Phase-out tier 2 starts$79,087$79,087unchanged
Disability supplement$3,173$3,322+$149

Phase-out thresholds were not indexed for the 2025–26 year — only the maximum amounts moved. Next adjustment lands July 2026.

UCCB vs CCB — what changed in 2016

The Universal Child Care Benefit (UCCB) was a $160/month per child taxable payment for kids under 6 (and $60/month for kids 6–17 from 2015 onward) that ran from 2006 to June 30, 2016. It was rolled into the enhanced, tax-free Canada Child Benefit on July 1, 2016 by the federal government. The big differences:

  • Tax treatment: UCCB was taxable income. CCB is fully tax-free.
  • Means-testing: UCCB paid the same amount to a $30,000 family and a $300,000 family. CCB phases out by income.
  • Maximum amount: UCCB max was $1,920/yr per child under 6. CCB max is $7,787/yr per child under 6 — over 4× more for low- and middle-income families.
  • Calculator: A "UCCB calculator" no longer exists because the program ended in 2016. Use the CCB calculator above for current amounts.

Canada Child Benefit for newcomers

Newcomers to Canada can claim the CCB once they meet the CRA's residency test for tax purposes — typically after living in Canada for 18 consecutive months with valid immigration status. Apply by submitting Form RC66 (Canada Child Benefits Application) along with proof of birth and proof of your immigration status. The CRA back-pays the CCB from the month you became a resident, so don't wait — file as soon as you have a SIN. See our newcomers checklist for the full first-year benefits stacking strategy.

Frequently Asked Questions

Recommended reading

  • → CCB Payment Schedule 2026 — every monthly date
  • → CGEB Calculator — the new groceries benefit also stacks per-child
  • → Newcomers checklist — apply for CCB in your first months

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