Canada Child Benefit Calculator
Estimate how much CCB your family receives each month. Enter your adjusted family net income and how many children are under 6 or aged 6 to 17 and see your monthly and annual benefit.
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How much Canada Child Benefit will I get?
Your Canada Child Benefit depends on your adjusted family net income and your children's ages. For July 2025 to June 2026, the maximum was $7,997 a year per child under 6 and $6,748 per child aged 6 to 17. A family earning $70,000 with one child in each age group receives about $863 a month.
How the Canada Child Benefit calculator works
The Canada Child Benefit calculator uses the same formula as the CRA. Enter your adjusted family net income, which is line 23600 of your tax return plus your spouse's or partner's, then the number of children under 6 and children aged 6 to 17.
It adds up the maximum benefit for each child, then reduces it based on how far your family income sits above two thresholds. The result is your estimated monthly benefit, your annual total and the maximum you would get before any income reduction.
The calculator uses the July 2025 to June 2026 amounts. The CRA indexes the amounts and thresholds to inflation every July, so payments from July 2026 are slightly higher. It does not include the Child Disability Benefit or provincial and territorial child benefits, which are paid on top.
How much CCB will I get? Examples by income
Every eligible family with a lower income receives the full amount, and the benefit shrinks gradually as income rises. Even families with incomes well above $100,000 usually still receive something.
| Adjusted family net income | One child under 6 | One child aged 6 to 17 | One under 6 and one aged 6 to 17 | Two aged 6 to 17 |
|---|---|---|---|---|
| $35,000 | about $666 | about $562 | about $1,229 | about $1,125 |
| $50,000 | about $593 | about $489 | about $1,088 | about $984 |
| $70,000 | about $477 | about $373 | about $863 | about $759 |
| $90,000 | about $388 | about $284 | about $695 | about $591 |
| $120,000 | about $308 | about $204 | about $553 | about $448 |
| $150,000 | about $228 | about $124 | about $410 | about $306 |
How the CCB is calculated
The CCB is calculated by adding the maximum amount for each child and subtracting a percentage of family income above $37,487, with a lower percentage above $81,222. The percentage depends on how many children you have, so larger families lose the benefit more slowly per child.
- Add the maximum for each child: $7,997 for each child under 6 and $6,748 for each child aged 6 to 17.
- If family income is between $37,487 and $81,222, multiply the income above $37,487 by the first rate.
- If it is above $81,222, take the full first-band reduction and add the income above $81,222 multiplied by the second rate.
- Subtract the reduction from the maximum and divide by 12 for the monthly payment.
| Number of children | Rate on income from $37,487 to $81,222 | Rate on income above $81,222 |
|---|---|---|
| 1 | 7% | 3.2% |
| 2 | 13.5% | 5.7% |
| 3 | 19% | 8% |
| 4 or more | 23% | 9.5% |
Example: a family with two children and $70,000 of income has a $14,745 maximum. The reduction is ($70,000 minus $37,487) times 13.5%, about $4,389. That leaves about $10,356 a year, or $863 a month.
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Who qualifies and how to apply
- Eligibility. You must live with a child under 18, be primarily responsible for their care and be a resident of Canada for tax purposes. You or your spouse or partner must also meet the CRA's citizenship or immigration status rules.
- File every year. Both parents must file a tax return each year, even with no income, or payments stop. Benefits for July to June are based on the previous year's income.
- Apply at birth. In most provinces you can apply when you register your baby's birth. Otherwise apply through CRA My Account.
- Shared custody. When a child lives roughly equally with two parents in different homes, each parent receives half of what they would get with full custody.
- Payments. The CCB is tax-free and paid monthly. See CCB payment dates for the 2026 schedule.
Building the CCB into your family budget
The CCB is often the largest single support a young family receives, so it helps to decide where it goes. Some families use it for child care and groceries, others put part into an RESP. Our guide to the cost of raising a child in Canada shows the main expense categories it can offset.
Add the monthly figure from this calculator to your take-home pay in the budget calculator to see your full family income. The family budget guide walks through a plan that works for two parents.
EMOH Pay lets you log the CCB as its own income source and share a household budget with a partner through separate logins. It is free to start on iPhone, Android and the web.
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Get started free➜Canada Child Benefit Calculator: frequently asked questions
Is the Canada Child Benefit taxable?
No. The CCB is tax-free. You do not report it as income, and it does not reduce other benefits calculated from your net income.
When does the CCB amount change?
Every July. The CRA recalculates your benefit using the tax return from the previous year and applies the new indexed amounts, so your payment can change even if your income did not.
What is adjusted family net income?
It is your net income from line 23600 of your tax return plus your spouse's or common-law partner's, with a few small adjustments set out by the CRA.
Can I get the CCB if I earn over $150,000?
Often yes, depending on the number and ages of your children. With one child under 6 the benefit continues until family income passes roughly $235,000, because the reduction above $81,222 is only 3.2% for one child.
Does the calculator include provincial child benefits?
No. Many provinces and territories pay their own child benefit, usually combined with the CCB payment. Quebec's family allowance is paid separately by Retraite Québec. Check your province's amount separately.
Sources and further reading
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