Free tool · Canada
Canada Child Benefit Calculator
Line 23600 from your 2025 return, both partners combined.
$10,077 over the July 2026 to June 2027 benefit year.
- Maximum
- $15,040
- Reduced by income
- −$4,963
- Nothing left at
- $241,058
Figures from the CRA, checked . They change every July. Your actual payment also depends on custody, residency and marital status, which this page does not ask about.
How the CRA works it out
Two steps. Every child earns a maximum amount, and then the household total is reduced once, based on income — not once per child, which is the usual way to get this wrong.
Maximum per child, per year
| Age | Per year | Per month |
|---|---|---|
| Under 6 | $8,157 | $679.75 |
| 6 to 17 | $6,883 | $573.58 |
Then the income test
Nothing is withdrawn below $38,237. Between there and $82,847 the first rate applies, and above it the second, shallower one takes over on top of a fixed amount.
| Children | $38,237–$82,847 | Above $82,847 |
|---|---|---|
| 1 | 7.0% | $3,123 + 3.2% |
| 2 | 13.5% | $6,022 + 5.7% |
| 3 | 19.0% | $8,476 + 8.0% |
| 4 or more | 23.0% | $10,260 + 9.5% |
Questions
- What income does the CCB use?
- Your adjusted family net income, which is line 23600 of your return plus your partner's, minus a few deductions. The July 2026 to June 2027 benefit year uses your 2025 income, so the payment you receive today is based on a return you filed months ago.
- Do I still get it if I earn too much?
- The benefit is reduced rather than cut off, and how fast depends on how many children you have. A household with one child stops receiving anything a long way below where a household with four does, because the maximum is smaller to begin with.
- Why did my payment change in July?
- July is when the CRA starts a new benefit year. It re-indexes the maximum amounts for inflation and switches to your most recent tax return, so both halves of the calculation move at once.
- Do I have to apply every year?
- No, but you and your partner both have to file a tax return every year, even with no income. The CRA works the benefit out from those returns, and payments stop if a return is missing.
- Does this include provincial benefits?
- No. Several provinces and territories add their own child benefit and the CRA usually pays it in the same deposit, so what lands in your account may be more than the figure here. This page covers the federal Canada Child Benefit only, and it does not include the Child Disability Benefit.
Knowing the number is the easy half
A benefit that arrives monthly is income like any other, and it disappears just as quietly if it is not given a job before it lands. Zero Budget is a zero-based budgeting app for couples, families and individuals: plan the month before you spend it, and every dollar — this one included — has somewhere to be.
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