Canada Child Benefit Calculator
Estimate your monthly Canada Child Benefit (CCB) payment based on your family income and the number and ages of your children. CCB is completely tax-free.
CCB Details
CCB Summary
How it works: The Canada Child Benefit (CCB) is a tax-free monthly payment for eligible families with children under 18. The benefit is based on your adjusted family net income from the previous tax year. Families with income below $37,487 receive the full benefit. Above that threshold, the benefit is gradually reduced — first at a lower clawback rate up to $81,222, then at a higher rate beyond that. The maximum annual benefit is $7,997 per child under 6 and $6,748 per child aged 6–17 for the July 2025 – June 2026 benefit period.
About the Canada Child Benefit
The Canada Child Benefit (CCB) is a tax-free monthly payment administered by the CRA to help eligible families with the cost of raising children under age 18. The benefit is income-tested, meaning higher family income results in a lower payment.
Two-phase reduction: CCB is reduced in two phases as adjusted family net income rises above $37,487. The reduction rate in each phase depends on how many children you have — families with more children have higher reduction rates but also receive a larger total benefit. Above a certain income threshold the benefit reaches zero.
Filing requirement: Both you and your spouse or common-law partner must file a tax return every year, even if you have no income. The CRA uses your prior-year net income to calculate payments for the July–June benefit year. Missing a filing can interrupt or stop your CCB payments.
CCB by family income (one child under 6 + one aged 6–17)
Annual and monthly Canada Child Benefit for the 2025-26 benefit year, calculated with the current CRA amounts. This example family starts from the maximum $14,745 and is reduced as adjusted family net income (AFNI) rises.
| Adjusted family net income | Annual CCB | Monthly |
|---|---|---|
| $30,000 | $14,745 | $1,229 |
| $40,000 | $14,406 | $1,200 |
| $60,000 | $11,706 | $975 |
| $81,222 | $8,841 | $737 |
| $100,000 | $7,770 | $648 |
| $120,000 | $6,630 | $553 |
2025-26 maximums: $7,997 per child under 6, $6,748 per child aged 6–17. Phase-1 reduction begins above $37,487 AFNI; phase-2 above $81,222. A child approved for the Disability Tax Credit also receives the Child Disability Benefit (up to $3,411 per child for 2025-26).
Worked example: $85,000 family income, two children
A family with one child under 6 and one aged 6–17 and $85,000 AFNI (above both reduction thresholds):
Frequently asked questions
How much CCB will I get per child?
For the 2025-26 benefit year the maximum is $7,997 per child under age 6 and $6,748 per child aged 6 to 17. Your actual amount is reduced based on adjusted family net income above $37,487.
At what income does CCB start to decrease?
The full CCB is paid when adjusted family net income is $37,487 or less. Above that, phase-1 reduction applies; above $81,222 a second, lower phase-2 rate applies. Reduction rates rise with the number of children.
Is CCB taxable?
No. The Canada Child Benefit is completely tax-free — you don't report it as income, and it doesn't reduce other income-tested benefits.
When are CCB payments made?
Monthly, usually around the 20th. The July–June benefit year uses your prior-year return — July 2025 to June 2026 payments are based on 2024 income. You must file every year to keep receiving it.
What is the Child Disability Benefit?
The CDB is an extra tax-free amount — up to $3,411 per child for 2025-26 — added to the CCB for a child who qualifies for the Disability Tax Credit. It phases out at higher family incomes above $81,222.
How does CCB work in shared custody?
When a child lives roughly equally with two parents, each is treated as having shared custody and receives 50% of the CCB they would get as the sole caregiver, based on their own adjusted family net income.
Do I need to apply for CCB every year?
No — you apply once (at birth via the Automated Benefits Application, or through My Account). After that, file your tax return each year and the CRA recalculates your payments for the new benefit year.
Is CCB indexed to inflation?
Yes. The maximum amounts and income thresholds are indexed each July. For 2025-26 the maximums rose to $7,997 (under 6) and $6,748 (6–17) from $7,787 and $6,570 the prior year.
Related tools
Sources
Last updated June 2026. Reflects 2025-26 benefit year rates (July 2025 – June 2026, based on 2024 income).