Canada Child Benefit Calculator 2026-27
Monthly and annual Canada Child Benefit for July 2026 – June 2027 from your children's ages and family net income, the 7–23% and 3.2–9.5% phase-outs, the child disability benefit, shared custody, the income where CCB ends and how an RRSP contribution raises it.
| Maximum before income test | — |
|---|---|
| Reduction — phase 1 ($38,237 to $82,847) | — |
| Reduction — phase 2 (over $82,847) | — |
| Child disability benefit | — |
| Annual CCB (July 2026 – June 2027) | — |
| Income at which CCB reaches zero | — |
| Effective clawback rate at your income | — |
| If you contribute to an RRSP | — |
| Equivalent pre-tax salary | — |
In short
The Canada Child Benefit for July 2026 – June 2027 pays up to $8,157 a year per child under 6 and $6,883 per child aged 6–17, tax-free, reduced by 7% to 23% of family net income above $38,237 and by a fixed amount plus 3.2% to 9.5% above $82,847; a family with one child under 6 and one older child at $95,000 receives about $694 a month, and the benefit ends around $241,000.
Who this is for: Parents checking what the CCB will pay from July, newcomers and separated parents, and families weighing an RRSP contribution against the benefit.
How the Canada Child Benefit is calculated for July 2026 – June 2027
The CCB is a tax-free monthly payment of up to $8,157 a year per child under 6 and $6,883 per child aged 6–17, reduced as adjusted family net income (both parents' line 23600, less any UCCB or RDSP income) rises. Between $38,237 and $82,847 it falls by 7% of income for one child (13.5% for two, 19% for three, 23% for four or more); above $82,847 a fixed reduction applies plus 3.2% / 5.7% / 8% / 9.5% of the excess. A two-child family loses its last dollar of CCB at about $241,000.
- Timing: payments from July 2026 to June 2027 depend on 2025 income — a raise or job loss shows up a year later (you can ask for a recalculation after a separation or death).
- RRSP contributions raise the CCB: they reduce net income, so a $10,000 contribution by a two-child family in the phase-1 zone adds $1,350 of benefit on top of the tax refund — an effective return of 40–50%.
- Child Disability Benefit: up to $3,480 more per child eligible for the disability tax credit, phased out above $82,847.
- Shared custody: each parent receives 50% based on their own family income.
- Provincial top-ups (Ontario Child Benefit up to $1,680, BC Family Benefit, Alberta Child and Family Benefit, Quebec Family Allowance) are paid separately.
See also: RESP Calculator — Education Savings with the 20% CESG.
Assumptions
- Maximum = children under 6 × $8,157 + children 6–17 × $6,883; reduction = phase-1 rate × (AFNI − $38,237) up to $82,847, then fixed amount + phase-2 rate × (AFNI − $82,847), by number of children (1/2/3/4+).
- CDB = $3,480 per eligible child less 3.2% (one child) / 5.7% (two+) of AFNI over $82,847; shared custody halves the result.
- RRSP effect recomputes the CCB on AFNI less the contribution; equivalent salary = CCB ÷ (1 − marginal rate at half the family income).
Worked example
Maximum $8,157 + $6,883 = $15,040. Phase 1 (two children) reduction fixed at $6,022; phase 2: 5.7% × ($95,000 − $82,847) = $693 → annual CCB $8,325, i.e. $694 a month tax-free. Every extra dollar of family income costs 5.7 cents of CCB on top of income tax; the benefit reaches zero at about $241,000. A $10,000 RRSP contribution would add $570 of CCB next year plus roughly $3,000 of tax refund.
Frequently asked questions
How much is the Canada Child Benefit in 2026?
Up to $8,157 a year ($679.75 a month) for each child under 6 and $6,883 ($573.58 a month) for each child aged 6 to 17 for July 2026 – June 2027, reduced once family net income exceeds $38,237.
What is the income limit for the CCB?
There is no hard cut-off — the benefit phases out: one child under 6 reaches zero at about $240,000 of family net income, two children at about $241,000, three at about $251,000 (lower for older children).
When are CCB payments made?
Around the 20th of each month (or as a lump sum in July if the annual amount is under $240); the amount is recalculated every July based on the previous year's tax returns.
Is the CCB taxable?
No — it is tax-free and does not have to be reported as income; it also does not count toward the OAS or GIS income tests.
Do I have to file taxes to get the CCB?
Yes — both parents must file a return every year, even with no income, or payments stop; newcomers apply with form RC66 after establishing residency.
How does shared custody affect the CCB?
Each parent gets 50% of what they would receive with full custody, calculated on their own adjusted family net income (including a new spouse's income).
Does the CCB count as income for other benefits?
No — it is excluded from income for the GST/HST credit, provincial benefits and tax; it is also not reported on your return.
What if my income dropped this year?
The CCB is based on last year's return, so a drop shows up next July; only a change in marital status, custody or a death allows an immediate recalculation.
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