Canada Child Benefit (CCB) Calculator (2025–2026 benefit year)
Last updated
Estimate the Canada Child Benefit for the July 2025 to June 2026 benefit year. Computes the maximum benefit per child by age band ($7,997/year under 6, $6,748/year 6–17), applies the two-tier AFNI phase-out (Tier 1 begins at $37,487; Tier 2 at $81,222) using the statutory reduction rates from Income Tax Act s. 122.61.
The Canada Child Benefit (CCB) is a tax-free monthly payment to eligible families with children under 18. The amount depends on three things: how many children you have, how old each child is (under 6 vs. 6–17), and your Adjusted Family Net Income (AFNI) from the prior tax year.
Calculator uses the values for the July 2025 – June 2026 benefit year (the currently active values). When CRA publishes the 2026–2027 calculation sheet (typically late June 2026), this site will add a separate calculator for that benefit year — both will coexist so you can compute the right benefit for any given month.
The CCB is paid out monthly around the 20th. Payment dates align with the benefit year — first payment of 2025–26 was July 18, 2025, with subsequent payments through June 2026.
How this calculator works
max_benefit = (children_under_6 × 7997) + (children_6to17 × 6748)
tier1_reduction = tier1_rate(num_children) × max(0, AFNI − 37487)
tier2_reduction = tier1_max_reduction(num_children) + tier2_rate(num_children) × max(0, AFNI − 81222)
benefit = max(0, max_benefit − reduction)
Where reduction = tier1_reduction if AFNI ≤ 81222, else tier2_reduction.
Tier 1 rates by child count (statutory, s. 122.61): 1 child: 7% • 2 children: 13.5% • 3 children: 19% • 4+ children: 23%
Tier 2 rates by child count (statutory, s. 122.61): 1 child: 3.2% • 2 children: 5.7% • 3 children: 8% • 4+ children: 9.5%
Source: Income Tax Act s. 122.61; indexed amounts from CRA's 2025 Indexation Adjustment + the July 2025–June 2026 calculation sheet.
Worked examples (2025–2026 benefit year)
- Single parent, 1 child age 4, AFNI $35,000: max
benefit $7,997. AFNI below $37,487 — no reduction. Annual
benefit =
$7,997(~$666/month). - Two-parent family, 1 child age 4 + 1 child age 9, AFNI
$65,000: max = $7,997 + $6,748 = $14,745. AFNI in
Tier 1. Reduction = 13.5% × ($65,000 − $37,487) = $3,714.25.
Annual benefit =
$11,030.75(~$919/month). - Two-parent family, 2 kids under 6 + 1 kid age 9, AFNI
$100,000: max = 2×$7,997 + $6,748 = $22,742. AFNI in
Tier 2. Reduction = $8,309.65 (Tier 1 max for 3 kids) +
8% × ($100,000 − $81,222) = $8,309.65 + $1,502.24 = $9,811.89.
Annual benefit =
$12,930.11(~$1,078/month). - Higher-income family, 1 child, AFNI $300,000:
benefit fully phased out at this income. Annual benefit =
$0.
Frequently asked questions
What's AFNI and why does it matter?
Adjusted Family Net Income — the sum of both spouses' net income from line 23600 of the prior year's tax returns. CCB is calculated by family, not by individual, so a single parent's AFNI is just their own line 23600. Below $37,487 AFNI: full max benefit. Between $37,487 and $81,222: Tier 1 reduction applies (rate depends on number of children — 7% for 1 child, up to 23% for 4+). Above $81,222: Tier 1 maxes out at the boundary, then Tier 2 reduction applies on income above $81,222 (rate 3.2% for 1 child, up to 9.5% for 4+).
Does the calculator compute Child Disability Benefit (CDB)?
No. CDB is a CCB supplement (~$3,322/year per eligible child for 2025-26) paid to families caring for a child certified for the Disability Tax Credit (DTC). Calculator v1 deliberately doesn't compute CDB because (a) eligibility requires DTC certification, a separate CRA medical-assessment process, (b) CDB has its own phase-out mechanic distinct from CCB's two-tier phase-out, and (c) modeling CDB without DTC verification could mislead families about benefits they may or may not qualify for. Consult Service Canada or your accountant for CDB estimates.
Are Quebec residents treated differently?
No — federal CCB applies on identical terms in all provinces including Quebec. Quebec's separate provincial program, the Family Allowance (Allocation famille), is administered by Retraite Québec and is in addition to (not in place of) federal CCB. Quebec families receive both. Other provinces also have their own child-benefit programs (Ontario Child Benefit, BC Family Benefit, Alberta Child and Family Benefit, etc.) — all paid alongside federal CCB. This calculator handles federal CCB only; consult your provincial tax authority for provincial benefit estimates.
When and how often is CCB paid?
Monthly, around the 20th of each month (closest weekday). The CCB benefit year runs July 1 to June 30, indexed each July using CRA's annual indexation factor (2.7% for 2025, 2.0% announced for 2026). The first payment of the 2025-26 benefit year was July 18, 2025. The benefit year cycle means: file your taxes by April 30, CRA uses prior-year AFNI to determine your benefit for July onwards. If your family income changes mid-year (job loss, baby born, separation), the benefit recalculates the following July when your new tax return is processed.
What if the AFNI value I enter shows zero benefit?
At very high AFNI (typically above ~$235,000 for 1 child, scaling up with family size), CCB phases out completely. The phase-out is faster for families with more children because the Tier 1 and Tier 2 reduction rates climb with child count (4+ children: 23% Tier 1 + 9.5% Tier 2). Calculator returns $0 in that case — not a calculation bug. For higher-income families, the federal CCB is intentionally not designed to flow; provincial benefits and the Canada Workers Benefit (separate) may still apply for some households.
Sources
Every figure on this page traces back to a primary Canadian authority. See the complete sources index for the master list.
Verified against Income Tax Act s. 122.61 (statutory rates) + CRA calculation sheet + 4 firm-level secondaries on .
Important
This calculator is for informational purposes only. It is not financial, tax, mortgage, or legal advice. Tax rates, mortgage rules, and contribution limits change. Always verify current rules with the relevant Canadian authority and consult a licensed professional before making financial decisions.