Canada Child Benefit Calculator

Estimate your monthly Canada Child Benefit (CCB) for July 2026 to June 2027, including the Child Disability Benefit, from your children’s ages and your family’s 2025 income. It adds your province’s or territory’s child benefit too, from Alberta’s ACFB to Quebec’s Family Allowance.

✓ 2026 rates · verified Oct 26–28, 2026

How the Canada Child Benefit is calculated

CRA starts from a maximum for each child: $8,157 a year for a child under 6 and $6,883 for a child aged 6 to 17. It then takes off a reduction based on your adjusted family net income (AFNI) and the number of children. Below $38,237 there’s no reduction.

Take two children aged 4 and 8 and a family income of $60,000. The maximum is $8,157 + $6,883 = $15,040.00. With two children, the reduction is 13.5% of the $21,763 of income over $38,237. The family gets $12,102.00 for the year, $2,938.00 less than the maximum, or $1,008.50 a month.

The Child Disability Benefit adds up to $3,480 a year for each child approved for the disability tax credit. It’s reduced only above $82,847, by 3.2% of income over that (one eligible child) or 5.7% (two or more). For one eligible child at $100,000 it’s $2,931.10 a year.

Why your income matters so much

The reduction works like a tax on income: as family income rises, the benefit falls. With two children the CCB shrinks by 13.5% of each dollar between $38,237 and $82,847, and by 5.7% above that. A $5,000 raise from $60,000 costs this family $675.00 of benefit in the next benefit year, on top of the income tax on the raise.

With one child, income above $82,847 reduces the benefit more slowly: a child aged 2 with family income of $100,000 still gets $4,485.10 a year. Larger families lose more per dollar: at four or more children the rate is 23% and then 9.5%.

The Alberta Child and Family Benefit

Alberta adds its own benefit for families with children under 18. It has two parts: a base part that doesn’t depend on working, and a working part for families with income from a job or self-employment. It’s tax-free and paid four times a year, in August, November, February and May, separately from the monthly CCB. There’s no separate application: CRA works it out from the same tax returns, so both parents need to file.

The working part starts once family working income passes $2,760, growing by 15% of each dollar above that until it reaches the maximum. Above each threshold, a part shrinks by its rate times the income over the threshold, so the base part is gone by about $47,115 and the working part carries on above it. A year that would come to more than $0 but less than $10 is paid as $10.

Take two children and a family income of $40,000, all from work. The base part is $2,293 less 12.07% of the $11,884 over $28,116: $858.60. The working part is the full $1,494.00. Together that’s $2,352.60 a year, paid as $588.15 a quarter, the same amount CRA’s own benefits calculator gives. At $55,000 the base part is gone and the working part is $982.26.

Each quarterly payment drops any fraction of a cent, so four payments can come to a few cents less than the yearly amount. Rates from the Alberta Personal Income Tax Act, s. 30.2 (King’s Printer); amounts from CRA and alberta.ca.

Provincial and territorial child benefits

Most provinces and territories add their own tax-free child benefit. For all of them except Alberta and Quebec, CRA pays it in the same monthly deposit as the CCB, which is why a deposit is often bigger than the CCB amount. There’s nothing to apply for: CRA works it out from your CCB application and both parents’ returns. With shared custody, each parent gets half (T4114).

How the reductions work

Each program starts from a yearly amount for your children and takes off a share of the family income above a threshold, using the same adjusted family net income as the CCB. In Ontario the cut is 8% of income over $26,865, taken off the family total: two children at $30,000 get $3,520 less 8% of $3,135, or $3,269.20 a year. Newfoundland and Labrador’s rate climbs with each child, from 10.61% for one to 33.94% for three, which is why its benefit is gone by about $30,000 for most families.

British Columbia keeps a floor: between $30,176 and $96,562 the benefit doesn’t fall below $775 for the first child. A single parent’s $500 supplement is added to the maximum and reduced with it, so two children at $50,000 get $2,557.04 with one parent and $2,057.04 with two. The Northwest Territories adds an amount for the children under 6 to one for the children aged 6 to 17: one of each at $55,000 gets $733.50.

Nova Scotia and Prince Edward Island use income bands instead of a rate. In Nova Scotia the second and later children get half from $26,000 and nothing is paid from $34,000. Newfoundland and Labrador also pays $150 a month for each child in the 59 months after the month of birth, as long as you get some of its child benefit: three children aged 10, 8 and 3 at $18,000 get $7,840.00 for the year with this supplement. New Brunswick’s working income supplement uses your working income, and its $100 school supplement goes to children born 2009 to 2021 in families at $20,000 or less.

Quebec’s Family Allowance

Retraite Québec pays it, not CRA, from the family income on line 275 of the Quebec return (yours plus your spouse’s). It’s paid every three months, in January, April, July and October, or monthly if you ask. The amount is recalculated each July from the previous year’s income and raised for inflation each January, so the calculator uses the 2026 rates, which apply until December 2026; the January 2027 figures aren’t published yet. A couple with two children and $80,000 of family income gets $6,136 less 4% of $19,602: $5,351.92 a year.

The School Supplies Supplement adds $127 in July for each child aged 4 to 16 on September 30. Families of a child with a disability can also get the Supplement for Handicapped Children, $241 a month ($1,215 or $808 a month for children who need exceptional care). Quebec sets its own rules for it, so it isn’t estimated here (Retraite Québec).

Saskatchewan and Manitoba

Saskatchewan has no separate child benefit. Its low-income tax credit includes $181 per child, for up to 2 children, paid every three months with the Canada Groceries and Essentials Benefit; it’s reduced over $39,345 of family income and gone by $81,668 (CRA). CRA runs no benefit for Manitoba, but Manitoba pays its own Manitoba Child Benefit to lower-income families who apply by mail. Neither is included in the calculator.

Where the figures come from

Amounts and thresholds are from each program’s CRA page; reduction rates are from each province’s or territory’s own legislation. For Ontario, Newfoundland and Labrador, Yukon, Nunavut and BC’s single-parent supplement, the results were checked against CRA’s child and family benefits calculator for 11 families and matched every time. CRA drops the fraction of a cent from each monthly payment, so your deposit can be a cent lower than the monthly figure here.

• Alberta Child and Family Benefit: CRA – Province of Alberta: Alberta child and family benefit; Alberta Personal Income Tax Act, RSA 2000, c. A-30, s. 30.2 (current as of December 11, 2025) (checked October 26, 2026)
• BC family benefit: CRA – Province of British Columbia: BC family benefit; BC Income Tax Act, RSBC 1996, c. 215, s. 13.092 (checked October 27, 2026)
• Ontario child benefit: CRA – Province of Ontario: Ontario child benefit; Ontario Taxation Act, 2007, S.O. 2007, c. 11, Sched. A, s. 104 (indexing: s. 23(3.5)); Ontario.ca – Ontario Child Benefit (checked October 27, 2026)
• New Brunswick child tax benefit: CRA – Province of New Brunswick: New Brunswick child tax benefit; Government of New Brunswick – Child Tax Benefit (checked October 27, 2026)
• Nova Scotia child benefit: CRA – Province of Nova Scotia: Nova Scotia child benefit; Nova Scotia Child Benefit Regulations, N.S. Reg. 62/1998 (amended to N.S. Reg. 79/2025) (checked October 27, 2026)
• Prince Edward Island child benefit: PEI Income Tax Act, RSPEI 1988, c. I-1, s. 36.3.1 (current to July 1, 2026; CanLII); CRA – Province of Prince Edward Island: Prince Edward Island child benefit (checked October 27, 2026)
• Newfoundland and Labrador child benefit: CRA – Province of Newfoundland and Labrador: child benefit and early childhood nutrition supplement; Child and Parental Benefits Regulations, NLR 43/09, s. 5–8 (under the Income Tax Act, 2000) (checked October 27, 2026)
• Northwest Territories child benefit: NWT Income Tax Regulations, RRNWT 1990, c. I-1, s. 1.1, under s. 3.2(2) of the Income Tax Act (CanLII); CRA – Northwest Territories child benefit (checked October 27, 2026)
• Yukon child benefit: CRA – Yukon child benefit; Yukon Income Tax Act, RSY 2002, c. 118, s. 9(4) (amended to S.Y. 2025, c. 6) (checked October 27, 2026)
• Nunavut child benefit: CRA – Nunavut child benefit; Nunavut Bill 4, An Act to Amend the Income Tax Act (assent June 11, 2026), amending s. 3.2(2) (checked October 27, 2026)
• Quebec Family Allowance: Finances Québec – Paramètres du régime d’imposition des particuliers 2026, tableau 3; Retraite Québec – Family Allowance; Retraite Québec – Supplement for the Purchase of School Supplies; Retraite Québec – Payment dates (checked October 27, 2026)
• Saskatchewan low-income tax credit: CRA – Province of Saskatchewan: Saskatchewan low-income tax credit (checked October 27, 2026)
• Manitoba: CRA – Province of Manitoba; Manitoba – Manitoba Child Benefit (apply by mail) (checked October 27, 2026)
• All CRA programs: CRA – T4114 Canada Child Benefits (modified 2026-07-02); CRA – Child and family benefits calculator (checked October 27, 2026)

Shared custody, a child turning 6, and new babies

• Shared custody: each parent gets 50% of the full-custody amount, based on their own household’s income. Provincial and territorial child benefits are split the same way.
• Turning 6: the under-6 rate is paid through the month of the sixth birthday, then the 6 to 17 rate from the next month. A child born in March 2021 gets 9 months at the under-6 rate and 3 at the lower rate in July 2026 to June 2027: $7,838.50 for the year at a low income. Enter each child’s birth month and the calculator prorates it.
• Turning 18: the last payment is for the month of the eighteenth birthday.
• New babies: apply once your child is born. You can apply when you register the birth, or through your CRA account (how to apply). For your income during parental leave, try the maternity and parental leave calculator.

File a return every year to keep getting it

CRA uses both parents’ returns to work out the benefit, so you and your spouse or common-law partner must each file a tax return every year, even with no income. If a return is late, payments can stop until it’s filed. The benefit is recalculated every July from the previous year’s returns (CRA – Keep getting your CCB payments).

What this calculator assumes

• Every child lives with you and you are the parent mainly responsible for their care (or you share custody).
• Children born after June 2026 aren’t included; the benefit starts after the birth once you apply. Children who turned 18 before July 2026 aren’t eligible.
• The income you enter is your adjusted family net income: usually line 23600 for you and your partner added together.
• Your province’s or territory’s child benefit is included. Alberta’s working part and New Brunswick’s working income supplement use the family working income you enter (employment and self-employment income of both parents).Quebec’s Family Allowance uses the line 275 family income you enter, at the 2026 rates.
• Not included: Saskatchewan’s low-income tax credit, the Manitoba Child Benefit (you apply to Manitoba), the prenatal part of Newfoundland and Labrador’s nutrition supplement, and Quebec’s Supplement for Handicapped Children. For anything left out, use CRA’s child and family benefits calculator.
• Amounts are rounded to the cent for display; CRA’s own payments may differ by a few cents.

Rates for tax year 2026, verified October 26 to October 28, 2026 · Page updated October 28, 2026