CCB Income Reduction Calculator 2026 | Canada Child Benefit Estimator

STEP 1 — Maximum CCB (Before Reduction)

Children under 6 (× $8,157)$0

Children 6-17 (× $6,883)$0

Total Maximum CCB$0

STEP 2 — Determine Reduction Tier

Your AFNI$0

Number of Children1

Reduction TierNo Reduction

STEP 3 — Calculate Reduction

Tier 1 Rate Applied—

Tier 2 Fixed Amount—

Tier 2 Rate Applied—

Total Reduction$0

STEP 4 — Final CCB

Maximum CCB − Reduction$0

Monthly CCB$0

Effective Rate100%

📋 Reduction rate reference

Children	Tier 1 Rate ($38,237–$82,847)	Fixed (> $82,847)	Tier 2 Rate (> $82,847)

⚠️ This calculator provides estimated CCB Income Reduction amounts for informational purposes only. Actual CCB payments are determined by the Canada Revenue Agency based on your tax return and individual circumstances. This tool uses the official CCB income reduction rules and maximum amounts for the 2026 benefit year (July 2026 – June 2027) but should not be considered as official confirmation of benefit amount. Always verify with the CRA or consult a qualified tax professional.

❓ FAQ

How does income reduce my CCB? ▼

Your CCB is reduced based on your adjusted family net income (AFNI). If your AFNI is above $38,237, your benefit starts to reduce. Above $82,847, a larger reduction applies.

What is the first income threshold for CCB? ▼

The first threshold is $38,237. Below this, you get the maximum CCB with no reduction.

What is the second income threshold for CCB? ▼

The second threshold is $82,847. Above this, a fixed reduction plus an additional percentage applies.

How is the reduction rate determined? ▼

The reduction rate depends on the number of children: 1 child: 7% (Tier 1) or 3.2% (Tier 2). 2 children: 13.5% (Tier 1) or 5.7% (Tier 2). 3 children: 19% (Tier 1) or 8% (Tier 2). 4+ children: 23% (Tier 1) or 9.5% (Tier 2).

What is my Adjusted Family Net Income (AFNI)? ▼

Your AFNI is your family net income (line 23600) plus your spouse's (if applicable), minus UCCB/RDSP income received, plus UCCB/RDSP amounts repaid.

Can my CCB be reduced to zero? ▼

Yes, for very high incomes, the CCB can be reduced to $0. The reduction is capped at the maximum benefit amount.

How often is CCB recalculated? ▼

CCB payments are recalculated every July based on your previous year's AFNI. A change in income in 2025 affects payments starting July 2026.

Is CCB taxable? ▼

No, CCB payments are tax-free and don't need to be reported on your tax return.

What is the maximum CCB in 2026? ▼

For July 2026 to June 2027: $8,157/year ($679.75/month) per child under 6, and $6,883/year ($573.58/month) per child aged 6 to 17.

How do I apply for CCB? ▼

Apply through the CRA's My Account, by mail using Form RC66, or by calling 1-800-387-1193.

Canada CCB Income Reduction Calculator 2026

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