Canada Child Benefit Calculator
Rates verified Nov 2026 · Sources: CRA, Service Canada
ExampleFamily income $95,000 · 2 children (ages 3 & 7) · $5,000 RRSP contribution · Ontario
Estimated monthly CCB · Ontario · 2026
Annual CCB
$8,325
July 2026 – June 2027
Children
2
1 under 6 · 1 age 6–17
AFNI
$95,000
Higher reduction
RRSP boost
+$285/yr
from $5,000 contribution
What's Next?
Estimates use CRA rates for July 2026 – June 2027 (based on 2025 AFNI). Provincial child benefits, the child disability benefit ($3,480/yr per eligible child), and shared-custody splits are not included. Not financial advice.
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About this calculator
Updated June 2026The Canada Child Benefit (CCB) pays up to $8,157/year per child under 6 and $6,883 per child 6–17 for July 2026–June 2027 (based on your 2025 adjusted family net income). Benefits are tax-free and recalculated every July. This calculator estimates your monthly payment and shows how RRSP contributions can increase CCB by lowering AFNI.
What you can do with it
- Estimate monthly CCB for the July 2026–June 2027 benefit year.
- See how RRSP contributions lower AFNI and boost CCB alongside a tax refund.
- Compare per-child amounts at under-6 vs 6–17 rates.
- Check whether your AFNI is below the $38,237 full-benefit threshold.
How the math works
CCB uses adjusted family net income (line 23600, minus UCCB/RDSP income, plus repayments). Below $38,237 AFNI: maximum benefit. Between $38,237 and $82,847: reduced by 7–23% of income above the threshold (rate depends on number of children). Above $82,847: a fixed reduction plus 3.2–9.5% of income above $82,847. Payments are indexed to inflation and reset each July from prior-year AFNI.
Canadian context - 2026
Provincial child benefits, the child disability benefit ($3,480/yr per eligible child), and shared-custody splits (50% each parent) are not included here. For families with 2+ children, combined tax + CCB clawback can make RRSP contributions especially valuable.
Frequently asked questions
How is the Canada Child Benefit (CCB) calculated?
CCB is based on adjusted family net income (AFNI) and the age and number of children. For July 2026–June 2027, families below $38,237 AFNI receive the maximum ($8,157/year per child under 6 and $6,883 per child 6–17). Benefits phase out at rates of 7–23% of income above $38,237, with higher fixed reductions above $82,847 depending on family size.
Does RRSP income reduce CCB?
RRSP contributions reduce your net income (AFNI), which can increase your CCB entitlement. An RRSP deduction that lowers AFNI below a phase-out threshold can be worth significantly more than the deduction alone when CCB recovery is factored in.
When is CCB reassessed each year?
CCB is recalculated every July based on your prior tax year's net family income. Filing taxes on time is essential to continue receiving accurate CCB payments. The CRA uses your filed income to set monthly benefit amounts for the 12-month period starting in July.
How much more CCB does a $10,000 RRSP contribution give?
For a two-child family with AFNI of $95,000, a $10,000 RRSP contribution lowers AFNI to $85,000. Both amounts are above $82,847, where the two-child reduction rate is 5.7%, so CCB rises by about $570 for the benefit year. That comes on top of the RRSP tax refund. Enter your own income and RRSP amount in the calculator to see your figure.
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