Estimate your monthly CCB payment based on your family's net income, number of children, and their ages. Free and updated for the 2025 benefit year.
The CCB paid from July 2025 to June 2026 is based on your 2024 family net income (from your 2024 tax return). Enter your details below for an estimate.
*Estimate only. Actual CCB depends on your exact tax figures, marital status, and CRA calculations. Use CRA My Account for the official amount.
The Canada Child Benefit is calculated using a formula based on your adjusted family net income (AFNI). Here's how it works for the 2025–2026 benefit year (based on 2024 income):
The maximum benefit per child per year is:
| Child Age | Max Annual Benefit | Max Monthly |
|---|---|---|
| Under 6 years | $7,787 | $648.92 |
| 6–17 years | $6,570 | $547.50 |
| Child Disability Benefit (add-on) | $3,173 | $264.42 |
If your family net income is below $36,502, you receive the full maximum benefit. Above that, the benefit is reduced based on the number of children:
| Number of Children | Phase-Out Rate (First Tier) | Phase-Out Rate (Second Tier, over $79,087) |
|---|---|---|
| 1 child | 13.5% | 5.7% |
| 2 children | 19.0% | 8.0% |
| 3 children | 22.0% | 9.5% |
| 4+ children | 23.0% | 10.0% |
Example: A family with 2 children under 6 and a net income of $60,000 would receive approximately $13,610/year minus 19% × ($60,000 − $36,502) = $13,610 − $4,465 = roughly $9,145/year, or about $762/month.
Approximate monthly CCB for a family with 2 children (one under 6, one aged 6–17):
| Family Net Income | Monthly CCB (Approx.) | Annual CCB (Approx.) |
|---|---|---|
| $0 – $36,502 | $1,196 | $14,357 |
| $50,000 | $935 | $11,220 |
| $70,000 | $575 | $6,900 |
| $90,000 | $402 | $4,824 |
| $120,000 | $226 | $2,712 |
| $150,000+ | $0–$100 | $0–$1,200 |
When your CCB payment arrives, make sure it lands in an account with no fees. KOHO is free, earns cash back, and has tools to help you budget your benefits. Use code 45ET55JSYA for a bonus.
Get KOHO Free — Use Code 45ET55JSYAThe CRA requires both spouses/partners to file taxes annually to continue receiving the CCB. If you miss a year, your payments will stop. File as soon as possible after February each year.
If you separate, divorce, or start living with a new partner, notify the CRA within 90 days. This can significantly change your CCB amount, as the benefit is calculated on family net income.
You can start receiving CCB as soon as your child is born. Register through the Newborn Registration Service in most provinces, or apply via CRA My Account. Payments are not retroactive beyond 11 months.
If your child has a severe and prolonged mental or physical impairment, they may qualify for the Child Disability Benefit — worth up to $3,173/year extra. Apply with a completed T2201 form signed by a medical professional.
CCB is paid on the 20th of each month (or the closest business day). Set up direct deposit in CRA My Account so funds arrive immediately — no waiting for cheques.