Highest combined
$1,727.49
Newfoundland and Labrador / mo
Canada compare
🇨🇦2026 · CRA · 13 provinces · $20k AFNI
CCB by province 2026
Federal Canada Child Benefit is identical nationwide. Combined with CRA provincial top-ups, Newfoundland and Labrador leads; Manitoba/Saskatchewan show federal-only on this stack.
By Sammy S. · Founder · AuthorUpdated for 2026
$1,727.49
Best · NL
$1,253.33
Federal CCB (all)
$1,253.33
No CRA top-up
13
Provinces
Federal CCB (all)
$1,253.33
Identical nationwide
Federal-only floor
$1,253.33
No CRA provincial child benefit
Key finding — federal CCB flat, Newfoundland and Labrador leads on top-ups
On $20,000 AFNI · 2 children (1 under 5 + 1 aged 6–17) · couple · July 2026–June 2027, federal CCB is about $1,253.33/mo in every province. Combined (CCB + CRA provincial top-up) ranges from about $1,727.49/mo in Newfoundland and Labrador to $1,253.33/mo where CRA pays no provincial child benefit (e.g. Manitoba). Ontario ≈ $1,546.65/mo vs British Columbia ≈ $1,490.82/mo.
Key takeaways
- Federal CCB is identical across all 13 provinces/territories on this vignette (~$1,253.33/mo).
- Highest combined here: Newfoundland and Labrador (~$1,727.49/mo) — provincial/territorial top-up drives the lead.
- Manitoba and Saskatchewan show federal CCB only in this CRA stack (no CRA-administered provincial child benefit).
- Québec ranks on federal CCB alone here — Family Allowance is Retraite Québec, not CRA (~$1,253.33/mo federal shown).
- Alberta’s ACFB is paid quarterly, separate from the monthly CCB deposit — still counted in combined annual/monthly averages.
- Payment period July 2026 – June 2027 uses 2025 AFNI — CRA recalculates every July.
- CCB is tax-free and does not have to be reported as income on your tax return (CRA).
- Personalize ages, AFNI, shared custody, and CDB in the CCB calculator.
Federal CCB vs provincial top-ups
The Canada Child Benefit is a federal program. On $20,000 AFNI · 2 children (1 under 5 + 1 aged 6–17) · couple · July 2026–June 2027, every jurisdiction models about $1,253.33 per month in federal CCB — the same CRA age bands and AFNI reduction formula.
What changes by province is whether CRA also administers a provincial or territorial child benefit (often deposited with CCB). Those top-ups create the combined ranking gaps on this hub.
On this vignette, Newfoundland and Labrador leads combined rankings because of Newfoundland and Labrador Child Benefit (+ ECNS) — not because federal CCB is higher there.
How CRA calculates federal CCB
For July 2026 – June 2027, the maximum is $8,157.00 per year for each child under 6 and $6,883.00 per year for each child aged 6–17 when AFNI is $38,237.00 or less.
Above $38,237.00, CRA reduces the benefit by a percentage of income over the threshold (7% / 13.5% / 19% / 23% for 1–4+ children). Above $82,847.00, a fixed dollar reduction plus a second percentage applies.
Martha ($45k / $100k) and Fatima ($60k / $125k) worked examples on CRA’s how-much page are the lock points for this engine — provincial programs never change those federal arithmetic steps.
Limitations
Shared custody, DTC/CDB, and single-parent BC supplements are off by default. Alberta ACFB is quarterly — we show a monthly average of the annual entitlement. The younger vignette child is under 5 (CCB under-6 rate) so NL ECNS can apply.
Where CRA publishes only “partial benefit” without a full reduction schedule (some NL/NU/YT cases above threshold), we use conservative $0 above the full-benefit AFNI cut-off. Alberta base/working phase-outs between published thresholds are modeled linearly.
Québec Family Allowance is outside this CRA stack. Engine last aligned 2026-08-08; hub reviewed 2026-08-09.
Combined monthly by province
Ranked by federal CCB + CRA provincial/territorial child benefit. Highest: Newfoundland and Labrador · federal-only floor: Manitoba / Québec / Saskatchewan on this stack.
| # | Province | Combined /mo |
|---|---|---|
| 1 |  Newfoundland and LabradorNewfoundland and Labrador Child Benefit (+ ECNS) | $1,727.49 |
| 2 |  AlbertaAlberta Child and Family Benefit | $1,568.91 |
| 3 |  OntarioOntario Child Benefit (OCB) | $1,546.65 |
| 4 |  Nova ScotiaNova Scotia Child Benefit | $1,507.49 |
| 5 |  British ColumbiaBC Family Benefit | $1,490.82 |
| 6 |  YukonYukon Child Benefit | $1,414.33 |
| 7 |  Northwest TerritoriesNorthwest Territories Child Benefit | $1,375.57 |
| 8 |  NunavutNunavut Child Benefit (+ workers’ supplement) | $1,342.08 |
| 9 |  Prince Edward IslandPrince Edward Island Child Benefit | $1,321.65 |
| 10 |  New BrunswickNew Brunswick Child Tax Benefit (+ WIS) | $1,315.82 |
| 11 |  ManitobaNo CRA-administered provincial child benefit | $1,253.33 |
| 12 |  QuebecQuébec Family Allowance (Retraite Québec) | $1,253.33 |
| 13 |  SaskatchewanNo CRA-administered provincial child benefit | $1,253.33 |
Highest combined
- #1 Newfoundland and Labrador$1,727.49
- #2 Alberta$1,568.91
- #3 Ontario$1,546.65
- #4 Nova Scotia$1,507.49
- #5 British Columbia$1,490.82
Federal-only (this CRA stack)
- #11 Manitoba$1,253.33
- #12 Quebec$1,253.33
- #13 Saskatchewan$1,253.33
Province profiles
#1
Newfoundland and Labrador
$1,727.49/mo
CCB $1,253.33 + prov $474.16
#2
Alberta
$1,568.91/mo
CCB $1,253.33 + prov $315.58
#3
Ontario
$1,546.65/mo
CCB $1,253.33 + prov $293.32
#4
Nova Scotia
$1,507.49/mo
CCB $1,253.33 + prov $254.16
#5
British Columbia
$1,490.82/mo
CCB $1,253.33 + prov $237.49
#6
Yukon
$1,414.33/mo
CCB $1,253.33 + prov $161.00
#7
Northwest Territories
$1,375.57/mo
CCB $1,253.33 + prov $122.24
#8
Nunavut
$1,342.08/mo
CCB $1,253.33 + prov $88.75
#9
Prince Edward Island
$1,321.65/mo
CCB $1,253.33 + prov $68.32
#10
New Brunswick
$1,315.82/mo
CCB $1,253.33 + prov $62.49
#11
Manitoba
$1,253.33/mo
CCB $1,253.33 + prov $0.00
#12
Quebec
$1,253.33/mo
CCB $1,253.33 + prov $0.00
#13
Saskatchewan
$1,253.33/mo
CCB $1,253.33 + prov $0.00
Worked examples (CRA + hub vignette)
Martha and Fatima figures mirror CRA’s how-much page for 2026 payment period math; the hub vignette adds provincial CRA-stack dollars.
CRA Martha — one child under 6, AFNI $45,000
CRA — How much you can get (July 2026 – June 2027)
CRA how-much example: one eligible child under 6; adjusted family net income $45,000.
Annual CCB ≈ $7,683.59 ($640.29/mo). Same federal result in every province; provincial top-ups are separate.
CRA Martha — same family, AFNI $100,000
CRA — How much you can get (July 2026 – June 2027)
Same one child under 6; AFNI rises to $100,000 (second CRA threshold band).
Annual CCB ≈ $4,485.11 ($373.75/mo). Federal phase-out is national — not provincial.
CRA Fatima — two children under 6, AFNI $60,000
CRA — How much you can get (July 2026 – June 2027)
CRA how-much example: two eligible children under 6; AFNI $60,000.
Annual CCB ≈ $13,376.00 ($1,114.66/mo). Reduction uses the two-child rates from CRA.
Hub vignette — Ontario vs NL vs Manitoba
CRA CCB formula + CRA provincial program pages; ECNS under-5 age band
$20,000 AFNI · 2 children (1 under 5 + 1 aged 6–17) · couple · July 2026–June 2027
Federal ≈ $1,253.33/mo everywhere. Combined: Ontario ≈ $1,546.65/mo (OCB), NL ≈ $1,727.49/mo (NLCB+ECNS), Manitoba ≈ $1,253.33/mo (federal only in this CRA stack).
Eligibility checklist (CRA)
Summarized from CRA who-can-apply and how-much guidance — confirm your situation with CRA My Account.
Live with and care for a child under 18
You must be primarily responsible for the care and upbringing of an eligible child under 18 who lives with you (CRA who-can-apply).
Resident of Canada for tax purposes
You must be a resident of Canada for tax purposes, with significant residential ties (CRA).
Citizenship / status of you or your spouse
You or your spouse/common-law partner must be a Canadian citizen, permanent resident, protected person, temporary resident who lived in Canada the previous 18 months with a valid permit in the 19th month, or an individual registered/entitled under the Indian Act (CRA).
File every year
CRA determines CCB entitlement when you file your income tax and benefit return — file every year (even with nil income) so AFNI can be calculated.
CCB is tax-free
CCB payments are not taxable and do not have to be reported on your tax return (CRA how-much).
Shared custody (40%–60%)
If the child lives with you about equally (between 40% and 60%), both individuals apply and each gets 50% of what they would get with full custody based on their own AFNI (CRA).
Payment period, AFNI, and July recalculation
CRA recalculates CCB every July. The July 2026 – June 2027 period uses 2025 adjusted family net income (AFNI).
AFNI is family net income (line 23600 for you and your spouse/partner, if applicable) minus UCCB and RDSP income (lines 11700/12500) plus any UCCB/RDSP amounts repaid (lines 21300/23200) — CRA how-much definition.
Full federal maximum applies when AFNI is $38,237.00 or less. Reductions start above that threshold and change again above $82,847.00.
Maximum for July 2026 – June 2027: $8,157.00/year per child under 6 and $6,883.00/year per child aged 6–17 when under the first threshold.
Many provincial/territorial child benefits that CRA administers are paid with the same monthly CCB deposit. Alberta Child and Family Benefit is paid quarterly (Alberta.ca).
Four layers of child benefits
Layer 1 — Federal CCB (same table everywhere)
Maximum $8,157.00/year per child under 6 and $6,883.00/year per child aged 6–17 for July 2026 – June 2027, then reduced by AFNI using CRA percentages for 1–4+ children. This layer never changes by province.
Layer 2 — CRA provincial / territorial child benefits
Programs such as Ontario Child Benefit, BC Family Benefit, Nova Scotia Child Benefit, PEI Child Benefit, Newfoundland and Labrador Child Benefit (+ ECNS when eligible), New Brunswick Child Tax Benefit / Working Income Supplement, and Northwest Territories, Nunavut, and Yukon child benefits. CRA administers these and often deposits them with CCB.
Layer 3 — Alberta Child and Family Benefit (quarterly)
Alberta.ca sets ACFB base and working components with published income thresholds. Paid four times a year — not in the monthly CRA CCB deposit — but included in this hub’s combined annual/monthly average.
Layer 4 — Québec Family Allowance (Retraite Québec)
Related to CCB for eligibility/filing, but calculated and paid by Retraite Québec — not CRA. Hub combined columns exclude Family Allowance dollars so rankings stay CRA-stack comparable.
Provincial / territorial program directory
Who pays what on this CRA-stack hub (ranked order).
| Jurisdiction | Program |
|---|---|
| Newfoundland and Labrador | Newfoundland and Labrador Child Benefit (+ ECNS) |
| Alberta | Alberta Child and Family Benefit |
| Ontario | Ontario Child Benefit (OCB) |
| Nova Scotia | Nova Scotia Child Benefit |
| British Columbia | BC Family Benefit |
| Yukon | Yukon Child Benefit |
| Northwest Territories | Northwest Territories Child Benefit |
| Nunavut | Nunavut Child Benefit (+ workers’ supplement) |
| Prince Edward Island | Prince Edward Island Child Benefit |
| New Brunswick | New Brunswick Child Tax Benefit (+ WIS) |
| Manitoba | No CRA-administered provincial child benefit |
| Quebec | Québec Family Allowance (Retraite Québec) |
| Saskatchewan | No CRA-administered provincial child benefit |
Decision guides
Comparing provinces at low AFNI
At ~$20k AFNI, provincial top-ups matter most. Newfoundland and Labrador leads this vignette; Ontario still adds OCB (~$293.32/mo). Federal CCB stays flat across the map.
Comparing at higher AFNI
Use each province profile’s AFNI ladder. Many provincial benefits shrink or end while federal CCB continues with CRA reductions — rankings can reorder as income rises.
Moving to or from Québec
Federal CCB continues under CRA rules. Family Allowance is separate (Retraite Québec). Do not treat this hub’s Québec combined column as total Québec child support.
Planning with Alberta
Include ACFB as quarterly cash flow, not as part of the monthly CRA deposit. Alberta.ca publishes payment months and income tests separately from CRA how-much.
What this hub excludes
- Québec Family Allowance dollar amounts (Retraite Québec — use their calculator).
- Child disability benefit (CDB) — up to CRA’s published maximum per DTC-eligible child; model in the CCB calculator.
- Shared-custody 50% CCB splits — hub vignette assumes primary care of both children.
- One-time or temporary top-ups not listed on the CRA provincial program pages used here.
- Partial provincial amounts where CRA only publishes a threshold without a full phase-out schedule (modeled as $0 above the published full-amount threshold — conservative).
- Municipal or employer benefits unrelated to CRA CCB administration.
Popular corridors
OntariovsBritish Columbia
Combined gap ≈ $55.83/mo — federal CCB matches ($1,253.33).
OntariovsAlberta
Combined gap ≈ $22.26/mo — federal CCB matches ($1,253.33).
OntariovsQuebec
Combined gap ≈ $293.32/mo — federal CCB matches ($1,253.33).
Newfoundland and LabradorvsOntario
Combined gap ≈ $180.84/mo — federal CCB matches ($1,253.33).
AlbertavsBritish Columbia
Combined gap ≈ $78.09/mo — federal CCB matches ($1,253.33).
Nova ScotiavsOntario
Combined gap ≈ $39.16/mo — federal CCB matches ($1,253.33).
ManitobavsOntario
Combined gap ≈ $293.32/mo — federal CCB matches ($1,253.33).
Prince Edward IslandvsNew Brunswick
Combined gap ≈ $5.83/mo — federal CCB matches ($1,253.33).
Myths vs reality
“CCB amounts change by province.”
Federal CCB uses the same CRA formula everywhere. Province of residence changes provincial/territorial top-ups and Québec Family Allowance — not the federal CCB table.
“Ontario always has the richest child benefits.”
At low AFNI, Newfoundland and Labrador (with ECNS) or Alberta (base + working) can outrank Ontario on this combined vignette.
“Québec has no child benefit.”
Québec pays Family Allowance via Retraite Québec. It is related to CCB but not in the CRA monthly deposit modeled here.
“Provincial benefits never phase out.”
Most CRA provincial child benefits reduce or end as AFNI rises — often much sooner than federal CCB (e.g. NS ends by $34k AFNI).
“I don’t need to file if I have no income.”
CRA determines CCB from your tax return — file every year even with nil income so benefits can be calculated.
“Alberta’s ACFB arrives with my monthly CCB.”
ACFB is paid quarterly by Alberta’s rules. CCB (and most CRA provincial programs) are monthly.
How to use this ranking
Step 1
Confirm the payment period
July 2026 – June 2027 uses 2025 AFNI — match CRA’s July recalculation window.
Step 2
Read federal CCB first
Confirm the federal column is identical across provinces — that is the CRA national formula.
Step 3
Scan combined rankings
Sort by CCB + provincial top-up on the $20k AFNI, two-child vignette.
Step 4
Open a province profile
See program name, administrator, caveats, AFNI ladder, and official sources.
Step 5
Compare corridors
Ontario vs BC, NL vs Ontario, Alberta vs BC — gaps are provincial, not federal.
Step 6
Personalize
Run your AFNI, ages, shared custody, and CDB in the Canada Child Benefit calculator.
FAQs
Yes for federal CCB. On this vignette every province shows about $1,253.33/mo federal. Combined totals differ when CRA pays a provincial/territorial child benefit.
Newfoundland and Labrador at about $1,727.49/mo combined (Newfoundland and Labrador Child Benefit (+ ECNS) ≈ $474.16/mo).
Ontario ≈ $1,546.65/mo vs BC ≈ $1,490.82/mo on this vignette (OCB vs BCFB). Federal CCB matches.
$20,000 AFNI · 2 children (1 under 5 + 1 aged 6–17) · couple · July 2026–June 2027
CRA does not administer a Manitoba child benefit with CCB — Manitoba shows federal CCB only (~$1,253.33/mo) on this stack.
Federal CCB still applies. Québec Family Allowance is paid by Retraite Québec and is excluded from the CRA-stack dollars here.
ACFB is paid quarterly (Alberta.ca). On this vignette Alberta’s combined average is about $1,568.91/mo including ACFB annualized.
Adjusted family net income — family net income (line 23600) minus UCCB/RDSP income plus UCCB/RDSP repayments. July 2026 – June 2027 uses 2025 AFNI (CRA).
No. CCB is tax-free and does not have to be reported as income on your tax return (CRA).
No — vignette assumes no DTC-eligible children. Add CDB in the calculator when applicable.
Québec Family Allowance dollars, child disability benefit, shared-custody splits, and some partial provincial amounts without a published CRA schedule (treated conservatively as $0).
CRA July 2026 – June 2027 CCB maxima/thresholds and CRA provincial/territorial program pages / T4114. Last reviewed 2026-08-09.
Glossary
- CCB
- Canada Child Benefit — federal tax-free monthly payment for eligible children under 18 (CRA).
- AFNI
- Adjusted family net income from the 2025 tax year for the July 2026 – June 2027 payment period.
- Line 23600
- Net income on the T1 return — starting point for family net income before AFNI adjustments (CRA).
- CRA provincial programs
- Province/territory child benefits CRA administers and often pays with CCB (OCB, BCFB, NSCB, NLCB, PEICB, NBCTB, NWT/NU/YT child benefits, etc.).
- Combined monthly
- Federal CCB + modeled provincial/territorial child benefit on the hub vignette (CRA-stack dollars).
- ECNS
- Newfoundland and Labrador Mother Baby Nutrition Supplement — CRA; child under 5 and AFNI test.
- ACFB
- Alberta Child and Family Benefit — Alberta.ca; quarterly base + working components.
- Family Allowance (QC)
- Québec’s Retraite Québec benefit — not administered by CRA.
- CDB
- Child disability benefit — CRA top-up for DTC-eligible children; not in the hub vignette.
- T4114
- CRA guide Canada Child Benefit and related provincial and territorial programs.