Canada Child Benefit Calculator
Calculate your monthly CCB payments based on income and number of children.
2026 CCB Maximum Amounts
| Child Age | Annual Maximum | Monthly Maximum |
|---|
| Under 6 | $7,787 | $649 |
| 6-17 | $6,570 | $548 |
CCB by Number of Children (Maximum)
| Children | Under 6 | 6-17 | Annual Max | Monthly Max |
|---|
| 1 under 6 | $7,787 | — | $7,787 | $649 |
| 2 under 6 | $15,574 | — | $15,574 | $1,298 |
| 1 aged 6-17 | — | $6,570 | $6,570 | $548 |
| 2 aged 6-17 | — | $13,140 | $13,140 | $1,095 |
| 1 each | $7,787 | $6,570 | $14,357 | $1,196 |
CCB by Family Income
One Child Under 6
| Family Income | Annual CCB | Monthly CCB |
|---|
| $0 - $36,502 | $7,787 | $649 |
| $50,000 | $6,837 | $570 |
| $75,000 | $5,249 | $437 |
| $100,000 | $3,842 | $320 |
| $125,000 | $2,342 | $195 |
| $150,000 | $1,092 | $91 |
| $175,000 | $0 | $0 |
Two Children Under 6
| Family Income | Annual CCB | Monthly CCB |
|---|
| $0 - $36,502 | $15,574 | $1,298 |
| $50,000 | $14,274 | $1,190 |
| $75,000 | $11,374 | $948 |
| $100,000 | $8,474 | $706 |
| $125,000 | $5,574 | $465 |
| $150,000 | $2,924 | $244 |
| $175,000 | $674 | $56 |
| $200,000 | $0 | $0 |
One Child 6-17
| Family Income | Annual CCB | Monthly CCB |
|---|
| $0 - $36,502 | $6,570 | $548 |
| $50,000 | $5,770 | $481 |
| $75,000 | $4,420 | $368 |
| $100,000 | $3,070 | $256 |
| $125,000 | $1,720 | $143 |
| $150,000 | $370 | $31 |
| $160,000 | $0 | $0 |
CCB Reduction Rates
| Income Range | Reduction Rate (1 child) | Reduction Rate (2+ children) |
|---|
| $36,502 - $79,087 | 7% | 13.5% |
| Over $79,087 | 3.2% | 5.7% |
CCB Including Disability Benefit
If child has disability (eligible for DTC):
| Benefit | Amount |
|---|
| Child Disability Benefit | +$3,322/year |
| Monthly extra | +$277/month |
CCB Payment Dates 2026
| Month | Payment Date |
|---|
| January | January 20 |
| February | February 20 |
| March | March 20 |
| April | April 18 |
| May | May 20 |
| June | June 19 |
| July | July 20 |
| August | August 20 |
| September | September 19 |
| October | October 20 |
| November | November 20 |
| December | December 12 |
Strategies to Maximize CCB
1. Income Splitting
| Before | After | CCB Increase |
|---|
| One earner $120,000 | Two earners $60K each | ~$500/year |
2. RRSP Contributions
| RRSP Contribution | Income Reduction | CCB Increase |
|---|
| $10,000 | -$10,000 | ~$400-700/year |
3. Spousal RRSP
Reduces higher earner’s income, may increase CCB.
CCB vs Provincial Benefits
Some provinces have additional child benefits:
| Province | Program | Amount |
|---|
| Ontario | Ontario Child Benefit | Up to $1,607/child |
| Alberta | Alberta Child and Family Benefit | Up to $1,469/child |
| BC | BC Family Benefit | Up to $2,188/child |
| Quebec | Family Allowance | Up to $2,782/child |
What Affects Your CCB
| Factor | Impact |
|---|
| Number of children | More = higher CCB |
| Children’s ages | Under 6 = higher |
| Family net income | Lower = higher CCB |
| Marital status | Combined income if common-law |
| Shared custody | Split 50/50 if applicable |
CCB and Taxes
| Aspect | Treatment |
|---|
| CCB received | Not taxable |
| Must report | No |
| Affects other benefits | No |
| Must file taxes | Yes (to receive CCB) |
Shared Custody
If you share custody 50/50:
| Scenario | Treatment |
|---|
| Equal custody | Each parent gets 50% of CCB |
| Primary parent | Full CCB to primary |
| Varying custody | Proportional or one parent |
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