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Canada Child Benefit Calculator

2025
Your Family Details
$

Combined income from both parents' tax returns

Max $7,943.00 per child/year

Max $6,701.00 per child/year

Your CCB Entitlement

Monthly Payment

$964.19

Annual Benefit

$11,570.32

Base Amount

$14,644.00

Reduction

-$3,073.68

Benefit Breakdown
Phase-Out Calculation
Children under 61 x $7,943.00 = $7,943.00
Children 6-171 x $6,701.00 = $6,701.00
Maximum Base Amount$14,644.00
Phase 1 threshold ($37,232.00)Income above: $22,768.00
Total Reduction-$3,073.68
Annual CCB Entitlement$11,570.32
Monthly Payment$964.19
Frequently Asked Questions

Everything you need to know about the Canada Child Benefit

The CCB is a tax-free monthly payment for eligible families with children under 18. To qualify you must live with the child, be primarily responsible for their care, be a Canadian resident for tax purposes, and you or your spouse must be a Canadian citizen, permanent resident, protected person, or temporary resident who has lived in Canada for the previous 18 months. You must file a tax return each year even if you have no income.
For the July 2025 to June 2026 benefit year, families with an adjusted family net income (AFNI) under $36,502 receive the maximum benefit. Phase-out begins at $36,502 at rates of 7% to 23% depending on the number of children, and a second phase-out begins at $79,087 at rates of 3.2% to 9.5%. Benefits phase out completely at higher incomes depending on the number and age of children.
If you share custody of a child equally (the child lives with each parent roughly 40-60% of the time), each parent receives 50% of the CCB they would otherwise be entitled to based on their own adjusted family net income. If one parent has the child more than 60% of the time, that parent receives the full CCB amount. You should notify the CRA of your custody arrangement.
The CCB is paid on the 20th of each month. If the 20th falls on a weekend or holiday, payment is issued on the last business day before the 20th. The benefit year runs from July to June and is recalculated every July based on your previous year tax return. For example, July 2025 payments are based on your 2024 tax return.
The Canada Child Benefit replaced both the Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB) starting in July 2016. The CCB is a single, tax-free, income-tested benefit that generally provides more money to low- and middle-income families than the previous combined programs. Unlike the UCCB, the CCB is not taxable income.
Several provinces add their own child benefit supplements on top of the federal CCB. For example, Alberta has the Alberta Child and Family Benefit, Ontario has the Ontario Child Benefit, Quebec has the Family Allowance, and BC has the BC Family Benefit. These are calculated separately based on provincial rules and are typically delivered alongside the federal CCB payment.
Adjusted family net income (AFNI) is the combined net income from line 23600 of both parents' tax returns, with certain adjustments. It includes employment income, self-employment income, investment income, RRSP withdrawals, and most other sources. RRSP contributions, union dues, and child care expenses are deducted. The higher your AFNI, the lower your CCB entitlement.

CRA-Aligned: This calculator uses official CRA rates and thresholds for the 2025 benefit year (July 2025 - June 2026). Actual CCB payments may differ based on individual circumstances including custody arrangements and provincial supplements. For a definitive assessment, contact the Canada Revenue Agency.

More Information
Understanding the Canada Child Benefit

How the CCB helps families with the cost of raising children

What is the Canada Child Benefit?

The Canada Child Benefit (CCB) is a tax-free monthly payment from the CRA to help families with the cost of raising children under 18. For the 2024-2025 benefit year, the maximum is $7,787 per child under 6 and $6,570 per child aged 6 to 17. The amount you receive depends on your family net income.

How is the CCB calculated?

The CRA calculates your CCB based on your adjusted family net income from the previous tax year. If your family income is below $36,502, you receive the full amount. Above that, the benefit is reduced at set rates. For one child, the reduction is 7% of income above the threshold. For two or more children, it starts at 13.5%.

Is the CCB taxable?

No. The Canada Child Benefit is completely tax-free. You do not need to report it as income on your tax return, and it does not affect your eligibility for other credits or benefits. This makes it different from the old Universal Child Care Benefit (UCCB), which was taxable.

When are payments made?

CCB payments are made monthly, usually on the 20th of each month. If the 20th falls on a weekend or holiday, payment is made on the last business day before the 20th. The benefit year runs from July to June, so new amounts based on your latest tax return start in July each year.

Do you need to apply for the CCB?

Yes, you need to apply when your child is born or when a child starts living with you. You can apply online through My CRA Account, by mail using Form RC66, or at the hospital when you register the birth. Both parents must file their tax returns each year for the CRA to calculate your entitlement.

What about the Child Disability Benefit?

If your child qualifies for the Disability Tax Credit, you may also receive the Child Disability Benefit (CDB) on top of the regular CCB. For 2024-2025, the CDB adds up to $3,322 per eligible child per year. This amount is also income-tested and phases out as family income rises.

Do provinces add extra child benefits?

Yes, several provinces provide additional child benefit payments on top of the federal CCB. For example, Ontario has the Ontario Child Benefit (up to $1,607 per child), and British Columbia has the BC Family Benefit. These provincial amounts are usually paid alongside your federal CCB each month.

CRA-Aligned: Based on 2025 CRA rates and thresholds. For personal advice, speak to a qualified accountant or tax professional.

Disclaimer: This calculator provides estimates based on current CRA rates and thresholds for the 2025 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant before making financial decisions. Read our terms

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