Canada Child Benefit Calculator 2025 — CCB Estimator

The Canada Child Benefit (CCB) is a tax-free monthly payment to eligible Canadian families to help with the cost of raising children under 18. In the 2024–25 benefit year, the maximum CCB is $7,787 per year ($648.91/month) for children under 6 and $6,570 per year ($547.50/month) for children 6–17. CCB is income-tested and reduces as family net income increases.

2025 CCB Amounts at a Glance

These are the 2024–25 benefit year amounts. CCB is indexed to inflation and adjusted each July based on the previous year's tax returns.

How CCB Is Calculated

CCB starts at the maximum amount and is reduced based on family net income (adjusted family net income from both spouses' or common-law partners' returns). The reduction occurs in two phases:

• Phase 1: Reduction begins above ~$36,502/year family income. Rate depends on number of children.
• Phase 2: Additional reduction above ~$79,087/year. Slower reduction rate.

For most families, CCB phases out completely between $150,000–$200,000 depending on the number of children.

CCB Eligibility Requirements

• You must be a Canadian resident for tax purposes
• You or your spouse must be a Canadian citizen, permanent resident, protected person, temporary resident who has lived in Canada for at least 18 months, or an Indian under the Indian Act
• You must be primarily responsible for the care and upbringing of the child
• The child must live with you
• Both spouses must file tax returns (even if no income)

Child Disability Benefit (CDB)

Families may also be eligible for the Child Disability Benefit (CDB) if their child qualifies for the Disability Tax Credit (DTC). The maximum CDB in 2024–25 is $3,322/year per eligible child. It phases out for family incomes above ~$79,087.

CCB for Shared Custody

If parents share custody (child lives at least 40% of the time with each parent), each parent receives 50% of the CCB they would be entitled to if they had full custody. Each parent must apply separately, and the income of each parent (plus their new spouse if applicable) is used for their calculation.

Ontario Child Benefit and Provincial Supplements

In addition to the federal CCB, several provinces offer supplemental child benefits:

• Ontario Child Benefit (OCB): Up to $125.75/month for low-income families
• Alberta Child and Family Benefit (ACFB): Up to $2,534/year for 1 child
• BC Family Benefit: Up to $162.50/month for first child
• Quebec Family Allowance: Separate provincial program through Retraite Québec