Canada Child Benefit Calculator 2026
Estimate your tax-free CCB for July 2026 – June 2027: maximums by age, AFNI reductions, shared custody, and the child disability benefit.
By Sammy S. · Founder · AuthorUpdated for 2026
Estimate your CCB
Enter children by age and adjusted family net income. Results update live.
Family details
CCB · July 2026 – June 2027
AFNI ≈ line 23600 (yours + spouse) adjusted for UCCB/RDSP. Full CCB when AFNI ≤ $38,237.
Estimated benefit
Tax-free monthly & annual
Monthly total (CCB + CDB)
$952.25
$11,427.00 per year · July 2026 – June 2027
- Max CCB (before reduction)
- $15,040.00
- CCB income reduction
- $3,613.00
- Annual CCB
- $11,427.00
- Monthly CCB
- $952.25
- AFNI used
- $65,000
- Eligible children
- 2
- Payment period July 2026 – June 2027 uses 2025 AFNI (CRA).
- CCB is tax-free and does not have to be reported as income on your return.
We apply CRA’s published maximums and two-tier income reduction for the July 2026 – June 2027 payment period. Optional child disability benefit and a 50% shared-custody split follow CRA rules. Provincial/territorial top-ups are not included. Educational estimate — confirm amounts in CRA My Account.
CRA-matched examples
- Payment period
- July 2026 – June 2027
- Base year AFNI
- 2025
- Martha (1 under 6, $45k)
- $7,683.59
- Fatima (2 under 6, $60k)
- $13,376.00
Constants
- Max under 6 $8,157 · ages 6–17 $6,883
- Thresholds $38,237 / $82,847 · CDB $3,480
Formulas
- Maximum CCB:
(# under 6 × $8,157) + (# aged 6–17 × $6,883) - Reduction (AFNI ≤ $82,847):
(AFNI − $38,237) × rate(1/2/3/4+ kids) - Reduction (AFNI > $82,847):
fixed(kids) + (AFNI − $82,847) × tier-2 rate - Annual CCB:
max(0, maximum − reduction) × (½ if shared custody) - CDB:
max(0, #DTC × $3,480 − reduction above $82,847)
Steps
- 1. Sum age-based maximums. Apply $8,157 per child under 6 and $6,883 per child aged 6–17.
- 2. Apply AFNI reduction. No cut at or below $38,237. Tier-1 % between thresholds; fixed + tier-2 % above $82,847. Percentage×income steps truncate to cents to match CRA examples.
- 3. Add child disability benefit. Up to $3,480 per DTC-eligible child; reduce only above $82,847 (3.2% one DTC child; 5.7% two or more).
- 4. Apply shared custody. If toggled, keep 50% of the full-custody estimate on this AFNI.
- 5. Convert to monthly. Annual ÷ 12, truncated to cents — matches CRA how-much “about $X per month” figures.
Not included
- Provincial and territorial child benefit top-ups
- GST/HST credit and Canada workers benefit
- Eligibility adjudication (residency, primary caregiver tests)
- Mid-year age transitions month-by-month (engine uses year-level age counts)
- Retroactive payments and overseas payment rules
Key takeaways — Canada Child Benefit
- For July 2026 – June 2027, maximum CCB is $8,157/year per child under 6 and $6,883/year per child aged 6–17 (CRA).
- Full maximum when adjusted family net income (AFNI) is $38,237 or less; reductions start above that and change again above $82,847.
- CCB is tax-free and does not have to be reported as income on your tax return.
- Payments are recalculated every July from the prior year’s return — July 2026 – June 2027 uses 2025 AFNI.
- Child disability benefit adds up to $3,480/year per DTC-eligible child and phases out only above $82,847.
What is the Canada Child Benefit?
The Canada Child Benefit (CCB) is a monthly tax-free payment from the Canada Revenue Agency to help eligible families with the cost of raising children under 18. You must file a tax return (even with nil income) to stay eligible.
The amount depends on how many eligible children you have, their ages, and your adjusted family net income from the previous calendar year. Related provincial/territorial benefits and the child disability benefit may be paid with the same deposit.
How CRA calculates your payment
Start with the maximum for each child ($8,157 under 6; $6,883 ages 6–17). If AFNI is over $38,237, subtract a percentage of the income above that threshold — 7%, 13.5%, 19%, or 23% for 1, 2, 3, or 4+ children.
If AFNI is over $82,847, the reduction becomes a fixed dollar amount for your family size plus a second percentage (3.2% / 5.7% / 8% / 9.5%). This calculator mirrors the CRA how-much worked examples for July 2026 – June 2027.
AFNI is family net income (line 23600 for you and your spouse/partner) minus UCCB and RDSP income plus any UCCB/RDSP amounts repaid.
Shared custody
If CRA considers you to have shared custody, each parent receives 50% of what they would have received with full custody, calculated on that parent’s own AFNI. CRA does not use other percentage splits.
If a child lives with you more than about 60% of the time, you are generally the primary caregiver for CCB purposes and may receive the full amount for that child.
Child disability benefit
When a child under 18 is eligible for the disability tax credit (Form T2201 approved), CRA may add the child disability benefit — up to $3,480/year ($290.00/month) per eligible child.
CDB starts reducing when AFNI exceeds $82,847 (3.2% for one DTC child; 5.7% for two or more). It is usually calculated automatically once DTC is approved and CCB is already in place.
When payments change
Benefit years run July 1 to June 30. July 2026 – June 2027 is based on 2025 AFNI. A change in 2025 income shows up in payments starting July 2026.
If your monthly entitlement is under $20, CRA may issue one lump-sum payment for the period instead of monthly deposits. Report changes in marital status, custody, or address promptly through CRA My Account.
Rates and income reductions
| Maximum CCB (July 2026 – June 2027) | ||
|---|---|---|
| Benefit | Annual | Monthly |
| Child under 6 | $8,157 | $679.75 |
| Child aged 6–17 | $6,883 | $573.58 |
| CDB (per DTC child) | $3,480 | $290.00 |
| Income reduction rates by number of children | ||
|---|---|---|
| Family | Tier 1 | Tier 2 |
| 1 child | 7% over $38,237 | $3,123 + 3.2% over $82,847 |
| 2 children | 13.5% over $38,237 | $6,022 + 5.7% over $82,847 |
| 3 children | 19% over $38,237 | $8,476 + 8.0% over $82,847 |
| 4+ children | 23% over $38,237 | $10,260 + 9.5% over $82,847 |
Worked examples
CRA Martha — 1 under 6 · $45,000 AFNI
Annual $7,683.59 (about $640.29/month). Matches CRA how-much example.
CRA Martha — 1 under 6 · $100,000 AFNI
Annual $4,485.11. Reduction includes the $3,123 fixed amount above the second threshold.
CRA Fatima — 2 under 6 · $60,000 AFNI
Annual $13,376.00 after 13.5% reduction on income above $38,237.
Mixed ages — under 6 + 6–17 · $65,000
Annual ≈ $11,427 (government announcement cited ~$11,430 for this profile).
Myths vs facts
“CCB is taxable income.”
CCB is tax-free. You do not report it as income on your T1 return.
“This year’s raise immediately cuts next month’s CCB.”
Payments use last year’s AFNI and refresh every July. A 2025 income change affects July 2026–June 2027 payments.
“Shared custody can be split 70/30.”
When CRA finds shared custody, each parent gets 50% based on their own AFNI — no custom percentages.
“I don’t need to file if I have no tax owing.”
You generally must file (even a nil return) to receive and keep CCB and related benefits.
Glossary
- AFNI
- Adjusted family net income — family net income with UCCB/RDSP adjustments used to calculate CCB.
- Payment period
- July 1–June 30 benefit year. Amounts are indexed and recalculated each July.
- Child disability benefit (CDB)
- Extra amount for children eligible for the disability tax credit, usually paid with CCB.
- Shared custody
- CRA arrangement where each parent receives 50% of the CCB calculated on their own income.
- Eligible child
- A child under 18 who lives with you and for whom you are primarily responsible for care and upbringing.
- Base year
- The tax year whose income feeds the next payment period (e.g. 2025 income → July 2026–June 2027).
Who this helps
Parents budgeting monthly cash flow
See tax-free monthly CCB before and after income thresholds.
Separated or shared-custody parents
Model the 50% shared-custody rule on your own AFNI.
Families with a DTC-eligible child
Add the child disability benefit and its higher-income phase-out.
Anyone checking a July recalculation
Match CRA’s published examples before relying on a deposit change.
Common mistakes
- •Using current-year salary instead of prior-year AFNI
- •Forgetting to count only eligible children under 18
- •Assuming provincial top-ups are included in this federal estimate
- •Not updating CRA after a separation, new child, or move
- •Mixing “shared custody” with informal part-time living arrangements
Checklist
- File your (and your spouse/partner’s) tax return on time
- Confirm children’s ages for under-6 vs 6–17 maximums
- Use the correct base-year AFNI for the payment period
- Apply for DTC / keep T2201 current if claiming CDB
- Report marital status and custody changes in CRA My Account
- Compare official My Account amounts after July recalculation
Frequently asked questions
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