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Canada Child Benefit Calculator 2026

Estimate your monthly CCB payment for the 2025-26 benefit year. Enter your adjusted family net income (AFNI) and children's ages to see your benefit.

For informational purposes only. Actual CCB is determined by the CRA based on your tax return. Consult the CRA or a tax professional for precise figures.
$0
Monthly CCB
$0
Annual CCB
$0
Children Under 6 (annual)
$0
Children 6-17 (annual)
$0
Income-Based Reduction
$0
Maximum Possible CCB

How the CCB Calculator Works

  1. Base amounts: For 2025-26, each child under 6 earns $7,786.92/year and each child 6-17 earns $6,570.00/year at zero AFNI.
  2. Phase-out: Above $36,502 AFNI, a reduction rate applies — 7% for 1 child, rising to 23% for 4+ children (first tier). A second lower tier applies above ~$75,537.
  3. Monthly payment: The annual benefit is divided by 12. CRA pays on the 20th of each month.
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Understanding the Canada Child Benefit

The Canada Child Benefit (CCB) is a non-taxable monthly payment delivered by the CRA to help families afford the costs of raising children. Introduced in 2016, it replaced the Universal Child Care Benefit and Child Tax Benefit. The CCB is indexed to inflation and adjusted each July based on the previous year's tax return.

For informational purposes only. Consult the CRA (canada.ca/cra) or a qualified tax professional before making financial decisions based on benefit estimates.

2025-26 Benefit Rates

For the July 2025 – June 2026 benefit year, the base maximum CCB amounts are $7,786.92 per year ($648.91/month) for children under age 6 and $6,570.00 per year ($547.50/month) for children aged 6 to 17. These amounts are gradually reduced as adjusted family net income (AFNI) exceeds the phase-out threshold of $36,502.

How the Income Phase-Out Works

The CCB uses a two-tier reduction system. In the first tier (AFNI between $36,502 and approximately $75,537), families lose a percentage of the base benefit per dollar of income above the threshold. This percentage starts at 7% for one child and rises with additional children. A second, lower percentage applies to income above ~$75,537. This design ensures benefits are targeted to lower- and middle-income families while providing partial benefit to higher-income households.

For more details on Canadian income tax or RRSP contribution room, explore our other Canadian finance tools.

Frequently Asked Questions

What is the Canada Child Benefit (CCB)?
The Canada Child Benefit is a tax-free monthly payment from the CRA to eligible families to help with the cost of raising children under 18. Amounts are based on adjusted family net income (AFNI) and the ages of children.
What is AFNI and how does it affect the CCB?
AFNI stands for Adjusted Family Net Income — your family's combined net income from the previous tax year. The CCB is reduced as AFNI rises above $36,502 (2025-26). The reduction rate depends on how many children you have.
What are the maximum CCB amounts for 2025-26?
For 2025-26, the maximum annual CCB is $7,786.92 per child under 6 and $6,570 per child aged 6 to 17. These amounts are indexed to inflation each July.
How is the CCB reduction rate calculated?
Above $36,502 AFNI, the reduction is applied in two tiers. For 1 child: 7% up to ~$75,537, then 3.2% above. For 2 children: 13.5% then 5.7%. Rates increase with more children. This calculator applies the correct two-tier reduction for your number of children.
Is the CCB taxable income?
No. The CCB is completely tax-free. You do not report it as income and it does not affect your federal or provincial tax return.
When is the CCB benefit year?
The CCB benefit year runs from July to June. Payments in July 2025 – June 2026 are based on your 2024 tax return (AFNI). File your taxes on time to avoid delays or interruptions to your benefits.

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