Canada Child Benefit Calculator 2025-2026
Estimate your tax-free monthly CCB payments based on your family income and number of children. Updated with official July 2025 - June 2026 rates.
Combined income from line 23600 of both parents' tax returns
How CCB Calculation Works
This calculator uses the official CRA formula for July 2025 - June 2026 benefits:
- • Maximum amounts based on each child's age (under 6 or 6-17)
- • Reduction rates based on TOTAL number of children (not individual ages)
- • Two-tier reduction formula starting at family income above $37,487
- • Payments calculated on 2024 tax year adjusted family net income
Source: canada.ca CCB calculation sheet
2025-2026 CCB Rates
Benefit year: July 2025 - June 2026 (based on 2024 tax year)
Eligibility Requirements
- •Live with a child under 18 years old
- •Primarily responsible for the child's care
- •Resident of Canada for tax purposes
- •You or your spouse must be a Canadian citizen, PR, or protected person
Sample CCB Calculations for 2025-2026
Note: These are illustrative examples based on typical family scenarios. Your actual CCB amount will vary based on your specific circumstances. Use the calculator above for a personalized estimate, or apply through canada.ca for your official assessment.
Single Parent, 2 Children
Family income: $30,000
Families earning under $37,487 receive the full maximum CCB amount with no reductions.
Two-Parent Family, 1 Child
Combined family income: $75,000
Families with income between $37,487-$81,222 receive a reduced benefit based on a sliding scale formula.
Two-Parent Family, 3 Children
Combined family income: $120,000
Higher income families still receive CCB benefits, though the amount is reduced at a steeper rate above $81,222.
High-Income Family, 2 Children
Combined family income: $200,000
Even high-income families may receive some CCB, though the benefit phases out gradually as income increases.
Important Calculation Notes
- • Reduction rates are based on the TOTAL number of children, not individual ages
- • Each child's benefit is calculated proportionally based on their maximum amount
- • CCB is recalculated annually based on your previous year's tax return
- • Filing your taxes on time ensures uninterrupted CCB payments
Frequently Asked Questions
How much is the Canada Child Benefit for 2025-2026?
For July 2025 to June 2026, the maximum CCB is $7,997 per year ($666.42/month) for children under 6, and $6,748 per year ($562.33/month) for children aged 6-17. Your actual benefit depends on your adjusted family net income. Families earning under $37,487 receive the full maximum amount. Benefits are reduced as income increases above this threshold using a formula based on the number of children in your family.
Is the Canada Child Benefit taxable?
No, the Canada Child Benefit is completely tax-free income. You do not need to report CCB payments on your tax return, and receiving CCB will not affect your taxes or other benefits. However, you must file your income tax return every year, as the CRA uses your previous year's income to calculate your CCB payments for the current benefit year.
When does the Canada Child Benefit get deposited?
CCB payments are deposited on the 20th of every month. If the 20th falls on a weekend or statutory holiday, payment is made on the last business day before the 20th. To receive payments by direct deposit, ensure you have your banking information registered with CRA through My Account. Otherwise, you'll receive a cheque by mail.
How do I apply for the Canada Child Benefit?
Apply for CCB as soon as your child is born or starts living with you. You can apply online through My Account on the CRA website, by mail using Form RC66, or at a Service Canada office. You'll need your child's birth certificate or proof of birth, and your Social Insurance Number. Most hospitals now offer Automated Benefits Application at birth, which registers your newborn for CCB automatically.
What is Adjusted Family Net Income for CCB?
Adjusted Family Net Income (AFNI) is the amount used to calculate your CCB. It's found on line 23600 of your tax return (and your spouse's if you have one), minus any Universal Child Care Benefit (UCCB) received and Registered Disability Savings Plan (RDSP) income. The CRA automatically calculates your CCB based on the tax returns you file each year. This is why filing your taxes on time is essential to continue receiving CCB without interruption.
Can I get CCB if I share custody of my child?
Yes, if you share custody of a child in a fairly equal manner (approximately 40% to 60% of the time each), you can both receive 50% of the CCB amount you would get if the child lived with you full-time. You must both apply for CCB and indicate shared custody on your applications. The CRA will review your arrangement and determine if you qualify for shared custody payments.
Related Calculators
Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on simplified assumptions and may not reflect your actual situation. Tax laws, contribution limits, and regulations change frequently. Always consult a qualified financial advisor or tax professional before making financial decisions. See our Terms of Service for full details.
Track Your CCB Payments
Use Waypoint Budget to track your CCB deposits and see how they fit into your family budget.