CCB Benefit Calculator
Complete guide to Canada Child Benefit (CCB) payments Estimator for the July 2025 to June 2026 payment period
The Canada Child Benefit (CCB) is a tax-free monthly payment made to eligible families to help with the cost of raising children under 18 years of age. The amount you receive is based on your adjusted family net income (AFNI), the number of children in your care, and their ages.
How CCB Payments Are Calculated
The Canada Revenue Agency (CRA) determines your CCB entitlement each year when you file your tax return. Payments are based on:
- Number of children in your care
- Age of your children (under 6, or 6 to 17 years)
- Your adjusted family net income (AFNI) from the previous year's tax return
Definition of Adjusted Family Net Income (AFNI)
Your AFNI is calculated as:
- Your family net income (line 23600 of your tax return + line 23600 of your spouse's tax return)
- Minus any Universal Child Care Benefit (UCCB) and registered disability savings plan (RDSP) income received (line 11700 and line 12500)
- Plus any UCCB and RDSP amounts repaid (line 21300 and line 23200)
Income Thresholds and Reductions
| Income Range |
Reduction Formula |
| Less than $37,487 |
Maximum benefit – no reduction |
| $37,487 to $81,222 |
Reduced by percentage based on number of children |
| Greater than $81,222 |
Reduced by fixed amount + percentage of income over $81,222 |
Maximum Annual CCB Amounts (July 2025 - June 2026)
| Child's Age |
Annual Maximum |
Monthly Maximum |
| Under 6 years |
$7,997 |
$666.41 |
| 6 to 17 years |
$6,748 |
$562.33 |
These maximum amounts apply if your AFNI is below $37,487.
Reduction Percentages by Number of Children
For incomes between $37,487 and $81,222
| Number of Children |
Reduction Percentage |
| 1 child | 7% of income over $37,487 |
| 2 children | 13.5% of income over $37,487 |
| 3 children | 19% of income over $37,487 |
| 4 or more children | 23% of income over $37,487 |
For incomes over $81,222
| Number of Children |
Fixed Reduction |
Plus Percentage |
| 1 child | $3,061 | 3.2% of income over $81,222 |
| 2 children | $5,904 | 5.7% of income over $81,222 |
| 3 children | $8,310 | 8% of income over $81,222 |
| 4 or more children | $10,059 | 9.5% of income over $81,222 |
Example Calculations
Example 1: One Child Under 6, Income $45,000
Maximum amount: $7,997
Income over $37,487: $45,000 - $37,487 = $7,513
Reduction (7%): $7,513 × 0.07 = $525.91
Annual payment: $7,997 - $525.91 = $7,471.09 ($622.59/month)
Example 2: Two Children Under 6, Income $60,000
Maximum amount: $7,997 × 2 = $15,994
Income over $37,487: $60,000 - $37,487 = $22,513
Reduction (13.5%): $22,513 × 0.135 = $3,039.25
Annual payment: $15,994 - $3,039.25 = $12,954.75 ($1,079.56/month)
Example 3: Three Children Over 6, Income $50,000
Maximum amount: $6,748 × 3 = $20,244
Income over $37,487: $50,000 - $37,487 = $12,513
Reduction (19%): $12,513 × 0.19 = $2,377.47
Annual payment: $20,244 - $2,377.47 = $17,866.53 ($1,488.88/month)
Example 4: One Child Under 6, Income $100,000
Maximum amount: $7,997
Income over $81,222: $100,000 - $81,222 = $18,778
Reduction: $3,061 + ($18,778 × 0.032) = $3,061 + $600.89 = $3,661.89
Annual payment: $7,997 - $3,661.89 = $4,335.11 ($361.26/month)
Example 5: Four Children Over 6, Income $200,000
Maximum amount: $6,748 × 4 = $26,992
Income over $81,222: $200,000 - $81,222 = $118,778
Reduction: $10,059 + ($118,778 × 0.095) = $10,059 + $11,283.91 = $21,342.91
Annual payment: $26,992 - $21,342.91 = $5,649.09 ($470.76/month)
How Age Affects Your Payments
Payments are adjusted based on your child's age. Here's how it works:
- For a child born in March 2026, you will be eligible to receive CCB in April 2026 (the month following birth)
- For a child turning 6 in March 2026, you will receive the under-6 rate for March, and the 6-17 rate starting in April
- For a child turning 18 in December 2025, the last payment will be in December 2025 at the 6-17 rate
Provincial and Territorial Child Benefits
In addition to the federal CCB, many provinces and territories offer additional child benefits. Some are combined with your CCB payment, while others are paid separately.
Alberta
Alberta Child and Family Benefit (ACFB):
- First child: $1,499/year ($124.91/month)
- Second child: $749/year ($62.41/month)
- Third child: $749/year ($62.41/month)
- Fourth child: $749/year ($62.41/month)
Reduced when income exceeds $27,565. Paid separately in August, November, February, and May.
Working Income Component: Additional amounts available for families with working income over $2,760.
British Columbia
BC Family Benefit (BCFB):
- First child: $145.83/month
- First child in single parent family: $41.66/month
- Second child: $91.66/month
- Additional children: $75/month
Combined with CCB payment. Reduced for incomes over $29,526. Minimum amounts apply up to $94,483.
New Brunswick
NB Child Tax Benefit: $20.83/month per child
NB Working Income Supplement: Up to $20.83/month per family
NB School Supplement: $100 per child (paid annually in July) for families with income under $20,000
All combined with CCB payment.
Newfoundland and Labrador
NL Child Benefit:
- First child: $155.66/month
- Second child: $165/month
- Third child: $177.25/month
- Fourth child: $190.41/month
Early Childhood Nutrition Supplement: $150/month per child under 5
Reduced for incomes over $17,397. Combined with CCB.
Northwest Territories
NT Child Benefit: Monthly amounts vary by age and number of children:
- Under 6: $67.91 (1 child) to $203.75 (4 children)
- 6-17: $54.33 (1 child) to $163.00 (4 children)
Reduced for incomes over $30,000. Combined with CCB.
Nova Scotia
NS Child Benefit: $127.08/month per child
Reduced for incomes between $26,000 and $34,000. Combined with CCB.
Nunavut
NU Child Benefit: $29/month per child basic benefit
Territorial Workers' Supplement:
- $24.16/month for one child
- $30.75/month for two or more children
Reduced for incomes over $22,065. Combined with CCB.
Prince Edward Island
PEI Child Benefit:
- $30/month per child for incomes under $45,000
- $20/month per child for incomes $45,000-$80,000
Combined with CCB.
Saskatchewan
SK Low-Income Tax Credit:
- $429 per adult
- $169 per child (maximum 2 children)
- Up to $1,196 per family
Reduced for incomes over $38,588. Combined with GST/HST credit payments quarterly.
Yukon
Yukon Child Benefit: $78.08/month per child
Reduced for incomes over $35,000. Combined with CCB.
Note: Quebec has its own Family Allowance program separate from the federal CCB. Contact Retraite Québec for information. Manitoba does not have a provincial child benefit administered by CRA. Ontario residents receive only the federal CCB with no additional provincial amount.
Frequently Asked Questions
Because waiting until July to find out what you get is frustrating. This CCB payment calculator shows you your estimated monthly benefit right now based on your income and number of kids. Plus it tells you which provincial benefits are included with your CCB payment so there are no surprises.
This CCB and provincial benefits estimator is for Canadian families with children under 18. New parents, adoptive parents, guardians, and anyone who just filed their taxes and wants to know what child benefits to expect. It also helps families understand if their province combines benefits with CCB or pays them separately.
100% free. No sign up, no credit card, no hidden fees. This federal and provincial child benefit calculator works for families in every province and territory. BC, Alberta, Ontario, Quebec, the Maritimes, and everywhere in between — it costs nothing to estimate your combined monthly child benefit payment.
No way. This CCB income and benefit tracker does not save, store, or share any of your information. No name, no SIN, no income details. Your answers stay in your browser. We never see them and we never sell your data. Completely private.
Yes. This Canadian child benefit calculator with provincial integration follows official CRA rules and provincial benefit schedules. That means the correct AFNI calculation, the income reduction rates, and accurate provincial integration — whether your province combines benefits with CCB (BC, NB, NS, PEI, NL, YT, NT, NU) or pays separately (Alberta, Saskatchewan). Quebec residents should use the QPIP calculator. It won't approve your benefit, but it tells you what to expect before July.
