Canada Child Benefit (CCB) Calculator 2026 | Monthly Payment Estimator
Free Canada Child Benefit Calculator 2026. Estimate monthly CCB payments based on net family income, number of children, and ages. CRA-aligned calculations for all Canadian families.
Updated for 2026
Family Information
Family Income
Children
Custody & Benefit Options
✓ Last updated: March 2026 | Built with CRA-official rates, Bank of Canada data, and OSFI guidelines
How to Use This Calculator
Provide your adjusted family net income from your latest tax return.
Enter the number of children under 6 and those aged 6 to 17.
Choose marital status, province and any shared custody arrangements.
See estimated monthly and annual Canada Child Benefit payments.
Understanding Your Results
- Annual CCBThe estimated total Canada Child Benefit you may receive during the benefit year.
- Monthly CCBYour estimated monthly tax-free benefit payment from CRA.
- Income ReductionThe reduction applied when family income exceeds CCB thresholds.
- Disability BenefitAdditional support available for eligible children with disabilities.
Key Tips
- ✓Update CRA promptly when family income or marital status changes.
- ✓Shared custody arrangements can affect the amount each parent receives.
- ✓File tax returns every year to continue receiving CCB payments.
- ✓Check eligibility for the Child Disability Benefit if applicable.
Related Calculators
Understanding Canada Child Benefit (CCB)
Canada Child Benefit (CCB) is a federal tax-free monthly payment from CRA to eligible families with children under age 18. Replaced National Child Benefit in 2016. Base amount: $6,997/year per child (2026). Reduced based on net family income. Payments are tax-free and automatically issued monthly. Must apply to CRA to receive.
Maximum CCB for one child: $6,997/year if family income ≤ $36,238. For each child: Base amount $6,997. Reduced by 6% of income over $36,238 for first child, 13% for second+ children. Over $75,000 income: additional reduction. Benefit fully clawed back above ~$123,000 income. Example: Family income $50,000, one child = $6,997 - ($13,762 × 6%) = $6,171/year = $514/month.
Eligible if: Canadian resident, you or spouse are responsible for child's care, child < 18, child is Canadian citizen/PR. One parent applies (usually primary caregiver). Apply via CRA Form RC66 online or by mail. Retroactive to child's birth month. Must update income annually. Payments sent to eligible parent monthly, 15th of each month (or next business day).
Example Canada Child Benefit Calculation
Family income of $60,000 with two children.
- Family Income
- $60,000
- Children Under 6
- 1
- Children Age 6-17
- 1
- Annual CCB
- ~$10,000+
- Monthly Benefit
- ~$833+
Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
What is Canada Child Benefit (CCB)?
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What is Canada Child Benefit (CCB)?
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CCB is a federal tax-free monthly payment for families with children under 18. It's automatically calculated by CRA based on net family income.
How much will I receive?
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How much will I receive?
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Base amount is $6,997/year per child (2026) but reduced for families with higher incomes. Use this calculator to estimate your benefit based on your income.
When are payments made?
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When are payments made?
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CCB is paid monthly, deposited on the 15th of each month (or next business day) to your CRA-verified bank account.
How do I apply?
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How do I apply?
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Apply to CRA using Form RC66. You can apply online via CRA My Account, by mail, or at a Service Canada office. The benefit is retroactive to your child's birth.
Does my income include my spouse's income?
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Does my income include my spouse's income?
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Yes, CCB is based on net family income, which includes both spouses' income. This is your combined net income from line 15000 on your T1 General.
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