Canada Child Benefit Calculator (2026)
The base amount is easy; the income phase-out is where estimates go wrong. Enter your children's ages and your adjusted family net income for a monthly and annual CCB figure for the July 2026–June 2027 benefit year.
Estimated monthly CCB
$0
What you'd get before the phase-out
For the July 2026 to June 2027 benefit year, the maximum CCB is $8,157 a year for each child under 6 and $6,883 a year for each child aged 6 to 17 — about $679.75 and $573.58 a month respectively. Those are the full amounts, and you keep every dollar of them only while your adjusted family net income sits at or below $38,237. The benefit is tax-free and doesn't go on your return.
Ages matter for one thing: the base amount. A child costs the government more under 6, so that rate is higher. The day a child turns 6, their amount steps down to the 6-to-17 rate. Past 18, the CCB stops entirely.
How the income phase-out actually works
This is the part worth getting right. Above $38,237 the CRA claws back the benefit in two bands, and the rate depends on how many children you have — not their ages.
- Income from $38,237 to $82,847: the benefit drops by 7% of every dollar over $38,237 for one child, 13.5% for two, 19% for three, and 23% for four or more.
- Income above $82,847: a fixed reduction (the full amount clawed back across the first band) applies, plus a lower rate on the income over $82,847 — 3.2% for one child, 5.7% for two, 8% for three, and 9.5% for four or more.
So a two-child family earning $65,000 doesn't lose 13.5% of their benefit — they lose 13.5% of the $26,763 that sits above the first threshold, which is $3,613 off the year's total. That two-step structure, and the fact the rate keys off the number of children, is exactly what makes the CCB hard to eyeball. The calculator above runs the CRA's own formula line by line.
Whose income counts
The phase-out runs on adjusted family net income, not your salary. For a couple that's both partners' net income combined, so a second earner pushes you deeper into the reduction. If you're single, only your income counts. There's no different CCB rate for single versus married parents — marital status only changes which incomes go into the AFNI number. In shared custody, each parent gets 50% of the full-custody amount, each calculated on their own income.
Common questions
How much is the Canada Child Benefit per child in 2026?
For July 2026–June 2027, up to $8,157 a year ($679.75/month) per child under 6, and $6,883 a year ($573.58/month) per child aged 6–17. You get the full amount only if your adjusted family net income is $38,237 or less; above that it's reduced on a sliding scale.
At what income does the CCB start to decrease?
At $38,237 of adjusted family net income. From there to $82,847 the reduction is 7% (one child) up to 23% (four or more) of the income above $38,237. Above $82,847, a fixed amount plus a lower rate (3.2% to 9.5%) applies. The rate depends on the number of children, not their ages.
What is adjusted family net income?
Both partners' net income combined, minus any UCCB and RDSP income reported and plus any repaid, with a couple of other adjustments. If you're single, it's just your own adjusted net income. The phase-out is based on this figure, not gross pay.
Does marital status change how much CCB I get?
Not the rate — only whose income counts. A spouse or common-law partner's income is added to yours, which can push you further into the phase-out. Single parents have only their own income counted. Shared-custody parents each get 50% of the full-custody amount.