Canada Child Benefit Calculator (2025–26)
Monthly CCB from family net income and the ages of your children — the maximum amounts, the two-stage reduction above $37,487 and $81,222, and how the payment changes with income.
How it works
max = $7,997 per child under 6 + $6,748 per child 6–17; reduction = rate₁ × (AFNI − $37,487) up to $81,222, then a fixed amount + rate₂ × (AFNI − $81,222); rates by family size: 7/13.5/19/23% and 3.2/5.7/8/9.5%
The Canada Child Benefit is a tax-free monthly payment that shrinks with adjusted family net income — both parents’ net income combined, less any universal child care benefit or RDSP amounts. Two thresholds apply: a steeper phase-out for middle incomes and a gentler one above $81,222, with rates depending on the number of children. Amounts are indexed each July from the previous year’s tax returns, so a drop in income shows up a year later. RRSP contributions reduce AFNI and can raise the benefit noticeably.
Worked example
One child under 6 and one aged 8 with $95,000 of family income: maximum $14,745; reduction $5,904 + 5.7% × $13,778 = $6,689 → $8,056 a year, $671 a month.
Frequently asked questions
Does the CCB count as income?
No — it is tax-free and does not affect other income-tested benefits.
Are there provincial top-ups?
Yes — e.g. the Ontario Child Benefit, BC Family Benefit and Alberta Child and Family Benefit are paid with the CCB and income-tested separately.
Related calculators
Uses 2025 tax-year Canadian federal and provincial figures (indexed annually). Rates and thresholds change — confirm with CRA, your province or a tax professional. Educational estimate, not tax advice.