Canada Child Benefit Calculator 2026-27 —
CCB Amount by Income

The CCB is calculated based on your Adjusted Family Net Income (AFNI) from the prior tax year and the number and ages of your children. For 2026-27 (July 2026–June 2027): maximum benefit is $8,157/year per child under 6 and $6,883/year per child aged 6-17.

If AFNI exceeds $38,237, the benefit is reduced by 7% of income between $38,237 and $82,847 for one child, plus 3.2% of income above $82,847 — with higher rates for more children (13.5%/5.7% for two, 19%/8% for three, 23%/9.5% for four or more). The CCB is paid monthly, tax-free.

Source: CRA T4114, July 2026.

The maximum CCB for 2026-27 (July 2026 – June 2027) is $8,157 per year ($679.75/month) for each child under 6, and $6,883 per year ($573.58/month) for each child aged 6-17. These are the maximum amounts before any income-based phase-out.

A family earning under $38,237 (Adjusted Family Net Income) receives the full amount. Benefits are indexed to inflation every 1 July, which is why a figure quoted from an earlier benefit year is always low.

The Child Disability Benefit (CDB) adds up to $3,480/year ($290.00/month) per eligible child on top of the base CCB.

The CCB begins to phase out when Adjusted Family Net Income (AFNI) exceeds $38,237 (2026-27). The phase-out is gentler than most people expect, because the second-stage rate is very low: for a family with one child under 6 receiving the maximum $8,157/year, the reduction is 7% of income between $38,237 and $82,847, then only 3.2% above that — so the benefit does not reach zero until roughly $240,000 AFNI.

For two children (one under 6, one aged 6-17) with a maximum of $15,040/year, the rates are 13.5% then 5.7% and the benefit reaches zero near $241,000. Families with more children have both higher benefits and higher zero-benefit thresholds.

Use the calculator above for your exact figure.

No — the CCB is completely tax-free. You do not include CCB payments on your tax return, and they do not affect your marginal tax rate or other income-tested benefits.

However, the CCB is based on your previous year's family net income, so it is income-tested — higher income means lower CCB. One important planning point: RRSP or RRIF deductions that reduce your net income also increase your CCB entitlement.

A $10,000 RRSP contribution that reduces AFNI from $50,000 to $40,000 with one child saves approximately $1,350 in CCB reduction (13.5% × $10,000) in addition to the income tax savings.

The CRA deposits CCB on the 20th of each month, or the last business day before it when the 20th falls on a weekend or a holiday; December is usually paid earlier in the month. The benefit year runs July to June and re-bases every 1 July, so the 2026-27 year (July 2026 – June 2027) is calculated from your 2025 tax return.

Filing on time — by 30 April 2026 for the 2025 return — is what keeps the July 2026 recalculation correct; file late and payments can stop until the return is assessed. Check exact dates for the current year on the CRA benefit payment dates page.

Because your deposit almost certainly is not only the CCB. Every province and territory runs its own child benefit on top of the federal one — the Ontario Child Benefit, the Alberta Child and Family Benefit, the BC Family Benefit, New Brunswick's Child Tax Benefit, and so on — and for most provinces the CRA calculates it, combines it with your CCB, and pays the whole thing as ONE monthly deposit.

There is no separate line telling you which part is federal and which is provincial, which is why the number in your bank rarely matches a federal-only calculator like this one. Two consequences worth knowing.

First, you do not apply separately: the same tax return and the same Adjusted Family Net Income drive both, so filing on time is what triggers all of them — and if you or your spouse do not file, everything stops, not just the provincial top-up. Second, Quebec is the exception: it runs its own Family Allowance through Retraite Quebec, paid separately from the CRA, on its own schedule and its own income test.

This calculator deliberately shows the FEDERAL CCB only, because provincial amounts and thresholds change on different dates in each province and a single blended number would go stale silently. For your province's current amounts, use the CRA's provincial and territorial programs pages.

The Child Disability Benefit (CDB) is an additional tax-free benefit paid as part of the CCB for children eligible for the Disability Tax Credit (DTC). For 2026-27, the maximum CDB is $3,480 per year per eligible child ($290.00/month).

Like the CCB, the CDB phases out at higher incomes — the phase-out begins at $82,847 AFNI, at the rate of 3.2% for one eligible child. To receive the CDB, you must first apply for and be approved for the DTC (Form T2201, certified by a medical practitioner) and apply for the CCB (Form RC66).

Yes — for shared custody arrangements (where the child lives with each parent at least 40% of the time), each parent can receive 50% of the CCB they would otherwise be entitled to, based on their own family net income. Each parent files their own CCB application (RC66) and the CRA calculates each parent's entitlement separately at 50%.

This means a higher-income parent and lower-income parent in a shared custody arrangement will receive different monthly CCB amounts for the same child, because each parent's benefit is based on their own AFNI.

RRSP contributions reduce your net income on line 23200 of your T1 return, which directly reduces your Adjusted Family Net Income (AFNI) for CCB purposes. This creates a 'CCB dividend' on top of the regular tax refund from RRSP contributions.

Example: family AFNI $55,000, one child under 6, 33% marginal tax rate. A $10,000 RRSP contribution: saves $3,300 in income tax AND increases CCB by $1,350 (13.5% × $10,000).

Total financial benefit: $4,650 from a $10,000 RRSP contribution — a 46.5% effective return before investment growth.