canada • CAD

Canada Child Benefit (CCB) Calculator 2026

Free Canada Child Benefit Calculator 2026. Estimate monthly CCB payments based on net family income, number of children, and ages. CRA-aligned calculations for all Canadian families.

Last revised 3 September 2026

By Team GlobalCalqulate · About our editorial standards

Family Income

Adjusted Family Net Income

Children

Children Under Age 6

Children Age 6-17

Children Eligible For Disability Benefit

Custody & Benefit Options

How this estimate was calculated

This is the federal Canada Child Benefit only. Provincial and territorial child benefits (such as the Ontario Child Benefit or the Alberta Child and Family Benefit) are paid with the same monthly deposit and are not included here, so your actual deposit may be higher.

Financial Disclaimer: This result is an educational estimate produced by applying published rates and thresholds to the figures you entered. It is not a tax determination: your actual liability depends on circumstances this calculator does not collect. Confirm your position with the relevant tax authority or a qualified accountant before acting on it. Full disclaimer.

Sources & methodology

Formula:: See methodology below
Reference:: Canada Revenue Agency
Rates for:: 2026
Figures verified:: September 2026 — checked against the primary source above
Content last updated:: September 2026
Scheduled re-verification:: December 2026

Calculation type: Rule-based calculation. Uses 2026 rates and thresholds. Figures are taken from Canada Revenue Agency — see sources below.

Reviewed by Team GlobalCalqulate — Verifies each figure against the issuing authority's published source · Checked 7 September 2026

Your entries stay on this device. This calculator runs entirely in your browser — the figures you type are not sent to us or to anyone else. The page itself uses cookies for analytics and advertising, described in the privacy policy.

Formula & methodology

Formula used

Variable definitions

Symbol	Meaning	Unit
AFNI		—
base(child)		—
rate1 / rate2		—
CDB		—

Step-by-step calculation

Limitations

Uses the federal CCB formula only — does not include provincial/territorial child benefit top-ups paid alongside the CCB in some provinces.
Assumes the entered income is already net family income (after deductions); does not compute AFNI from gross income.
Figures are for the July 2026-June 2027 benefit year and change each July when re-indexed to the prior year's income.

This page is educational. It applies published rates and thresholds to the figures you enter and shows the arithmetic behind the result. It is an estimate, not a tax determination: your actual liability depends on circumstances this calculator does not collect, and only the relevant tax authority — or an accountant who can see your full position — can confirm what you owe.

Sources & references

Canada Child Benefit – how we calculate your CCB — Canada Revenue Agency
Canada Child Benefit payment amounts — Canada Revenue Agency

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

What is Canada Child Benefit (CCB)?

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CCB is a federal tax-free monthly payment for families with children under 18. It's automatically calculated by CRA based on net family income.

How much will I receive?

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For the 2026-27 benefit year, the maximum is $8,157/year for a child under 6 and $6,883/year for a child aged 6-17, reduced once adjusted family net income exceeds $38,237. Use this calculator to estimate your benefit based on your income.

When are payments made?

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CCB is paid monthly, deposited on the 15th of each month (or next business day) to your CRA-verified bank account.

How do I apply?

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Apply to CRA using Form RC66. You can apply online via CRA My Account, by mail, or at a Service Canada office. The benefit is retroactive to your child's birth.

Does my income include my spouse's income?

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Yes, CCB is based on net family income, which includes both spouses' income. This is your combined net income from line 15000 on your T1 General.

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How to Use This Calculator

Enter family income

Provide your adjusted family net income from your latest tax return.

Add your children

Enter the number of children under 6 and those aged 6 to 17.

Select family circumstances

Choose marital status, province and any shared custody arrangements.

Review estimated benefit

See estimated monthly and annual Canada Child Benefit payments.

Understanding Your Results

Annual CCB
The estimated total Canada Child Benefit you may receive during the benefit year.
Monthly CCB
Your estimated monthly tax-free benefit payment from CRA.
Income Reduction
The reduction applied when family income exceeds CCB thresholds.
Disability Benefit
Additional support available for eligible children with disabilities.

Understanding the Canada Child Benefit

What the CCB is and how much it pays

The Canada Child Benefit is a tax-free monthly payment for families raising children under 18. It is not taxable, does not have to be reported as income, and does not reduce other benefits.

The maximum annual amounts are $8,157 per child under six and $6,883 per child aged six to seventeen. A family with one child of each age and a low income receives just over $15,000 a year, paid monthly. Children eligible for the Disability Tax Credit attract an additional Child Disability Benefit of up to $3,480 per child. These maximums are reduced as family income rises, so most families receive less than the headline figure.

How the reduction works

The CCB is income-tested on adjusted family net income — both parents' incomes combined. Below the first threshold of $38,237 you receive the full amount. Above it, the benefit is reduced at a rate that depends on how many children you have, with a second, gentler reduction rate applying above $82,847.

With one child the first-tier reduction is 7%; with two it is 13.5%; with three, 19%; with four or more, 23%. This means the CCB effectively adds to your marginal tax rate. A family with two children earning just above the first threshold faces a 13.5% benefit reduction on top of their income tax, which is worth knowing before taking on extra work or a bonus.

Why an RRSP contribution can be worth more than the tax saving

Because the CCB is tested on net income, and RRSP contributions reduce net income, a contribution increases your CCB as well as reducing your tax.

For a family with two children in the first reduction band, a $10,000 RRSP contribution saves tax at their marginal rate and also restores $1,350 of CCB — a combined benefit that can exceed 45% of the contribution. This is one of the strongest arguments for RRSP contributions among families with young children, and it is routinely overlooked because the CCB effect does not appear anywhere on a tax return. Childcare expense deductions have the same double effect.

The July recalculation and why your payment changes

The benefit year runs from July to June, and amounts are recalculated each July using the previous year's tax return. Your July 2026 to June 2027 payments are based on your 2025 income.

This lag explains most unexpected changes. A raise this year does not reduce your CCB until the following July, and a year of parental leave at reduced income raises your CCB the July after. Both parents must file a return every year, even with no income at all — failing to file is the most common reason payments stop. A change in marital status, custody arrangement, or address should be reported to the CRA promptly.

Shared custody and who receives the payment

Where a child lives with two separated parents roughly equally, each parent receives 50% of the amount they would have received if the child lived with them full time — calculated separately on each parent's own income.

This is why two parents in shared custody can receive very different amounts for the same child. The CRA generally presumes the female parent in the same household is the primary caregiver unless told otherwise, which can need correcting. Shared custody is defined as living with each parent between 40% and 60% of the time; outside that range, one parent receives the full amount. Provincial and territorial child benefits are usually paid alongside the CCB and follow similar rules.

Keeping the benefit flowing

Apply as soon as a child is born, usually through the Automated Benefits Application when you register the birth, or through CRA My Account. Retroactive payments are generally limited to eleven months, so delay costs real money.

The most common reasons payments stop are a parent not filing a tax return, an unreported address change, or an unreported change in marital status. The CRA also runs periodic validation reviews requesting proof of residency and caregiving; responding promptly avoids a suspension. If you do receive an overpayment notice, the CRA will recover it from future payments, so it is worth checking the figures rather than assuming the assessment is correct.

Formula & methodology

Formula used

Variable definitions

Symbol	Meaning	Unit
AFNI		—
base(child)		—
rate1 / rate2		—
CDB		—

Step-by-step calculation

Limitations

Uses the federal CCB formula only — does not include provincial/territorial child benefit top-ups paid alongside the CCB in some provinces.
Assumes the entered income is already net family income (after deductions); does not compute AFNI from gross income.
Figures are for the July 2026-June 2027 benefit year and change each July when re-indexed to the prior year's income.

Understanding the Canada Child Benefit

What the CCB is and how much it pays

The Canada Child Benefit is a tax-free monthly payment for families raising children under 18. It is not taxable, does not have to be reported as income, and does not reduce other benefits.

How the reduction works

Why an RRSP contribution can be worth more than the tax saving

Because the CCB is tested on net income, and RRSP contributions reduce net income, a contribution increases your CCB as well as reducing your tax.

The July recalculation and why your payment changes

The benefit year runs from July to June, and amounts are recalculated each July using the previous year's tax return. Your July 2026 to June 2027 payments are based on your 2025 income.

Calculator inputs

Family Income

Children

Custody & Benefit Options

Your results

Sources & methodology

Formula & methodology

Formula used

Variable definitions

Step-by-step calculation

Limitations

Sources & references

What is Canada Child Benefit (CCB)?

How much will I receive?

When are payments made?

How do I apply?

Does my income include my spouse's income?

More Canada calculators

More Canada calculators

Calculator inputs

Family Income

Children

Custody & Benefit Options

Your results

Sources & methodology

How to Use This Calculator

Example Canada Child Benefit Calculation

Understanding Your Results

Key Tips

Understanding the Canada Child Benefit

What the CCB is and how much it pays

How the reduction works

Why an RRSP contribution can be worth more than the tax saving

The July recalculation and why your payment changes

Shared custody and who receives the payment

Keeping the benefit flowing

Formula & methodology

Formula used

Variable definitions

Step-by-step calculation

Limitations

Sources & references

How to Use This Calculator

Example Canada Child Benefit Calculation

Understanding Your Results

Key Tips

Understanding the Canada Child Benefit

What the CCB is and how much it pays

How the reduction works

Why an RRSP contribution can be worth more than the tax saving

The July recalculation and why your payment changes

Shared custody and who receives the payment

Keeping the benefit flowing