What is CCB Payment Calculator? How to calculate CCB Using this?
Estimate Canada Child Benefit Amount: Free, No Sign-up, Fast
The CCB Payment Calculator helps Canadian families estimate their monthly
Canada Child Benefit (CCB) based on their household income, number of eligible children,
and other important factors used by the Canada Revenue Agency (CRA). Many families struggle to estimate
their CCB payments accurately while planning their monthly budget. Keeping this in mind, we created this
calculator to help you estimate your CCB payment quickly and easily. Our calculator provides a fast estimate
in just a few clicks so you can better understand your potential benefit before receiving your official payment.
Understanding the Canada Child Benefit (CCB)
The Canada Child Benefit (CCB) is a monthly, tax-free payment administered by the
Canada Revenue Agency (CRA). It is available to eligible parents and guardians who are raising children
under the age of 18. The program helps families manage the rising cost of living and inflation by providing
financial assistance based on their family income and circumstances.
CCB payments are not considered taxable income and do not need to be reported as income
on your tax return.
How Does the Canada Child Benefit Calculator Work?
This calculator estimates your CCB payment using the same primary factors considered by the CRA, including:
- Adjusted Family Net Income (AFNI)
- Number of eligible children
- Age of each eligible child
- Shared custody arrangements
- Eligibility for the Child Disability Benefit (CDB), if applicable
After entering all the required information, the calculator instantly estimates both your monthly and annual
Canada Child Benefit payments.
How to Use the Canada Child Benefit Calculator
Using this CCB Payment Calculator is simple. Follow these steps to estimate your monthly and annual
Canada Child Benefit amount.
Step 1: Choose the Number of Children Under 6
Select the number of eligible children in your household who are under six years old.
Children in this age group qualify for the highest maximum CCB payment.
Step 2: Select the Number of Children Aged 6–17
Choose the number of eligible children between the ages of 6 and 17. The calculator will automatically
count the total number of eligible children.
Step 3: Enter Adjusted Family Net Income (AFNI)
Enter your Adjusted Family Net Income (AFNI) from your previous year's tax return.
AFNI is one of the most important factors used by the CRA to calculate your Canada Child Benefit payment.
Adjusted Family Net Income incudes Your family net income (line 23600 of tax return + line 23600 of your spouse's tax return). Minus any Universal Child Care Benefit and Registered Disability Savings Plan (RDSP) income received (line 11700 and line 12500) plus any UCCB and RDSP amounts repaid (line 21300 and line 23200).
What is included in AFNI for CCB calculation?
Generally, your family's net income is calculated using your and your spouse's (if applicable)
total net income from Line 23600 of your income tax returns.
It excludes any Universal Child Care Benefit (UCCB) and Registered Disability Savings Plan (RDSP)
payments received and adds back any UCCB or RDSP amounts that were repaid.
Step 4: Select Your Province or Territory
Choose your province or territory of residence so the calculator can estimate your CCB payment
using the applicable regional information.
Step 5: Get Your Results
There is no need to click a Calculate button. The calculator automatically updates your estimated
benefits as soon as you enter or modify your information.
Your results typically include:
- Estimated monthly CCB payment
- Estimated annual CCB payment
- Total number of eligible children
- Adjusted Family Net Income used in the calculation
- Estimated income reduction applied
- Average monthly payment per eligible child
You can update your family income, children's ages, or family size at any time to compare
different payment scenarios and better plan your household finances.
Does Your Income Affect Your CCB Payment?
Yes. The Canada Child Benefit is an income-tested benefit.
For the July 2026 to June 2027 payment period,
benefits are calculated using your 2025 Adjusted Family Net Income (AFNI).
| Adjusted Family Net Income (AFNI) |
Benefit |
| Below $38,237 |
Receive the maximum benefit for eligible children. |
| $38,237 – $82,847 |
The benefit gradually decreases as family income increases. |
| Above $82,847 |
Benefits continue to decrease according to CRA reduction rules. |
This gradual CCB reduction ensures that lower-income families receive greater financial assistance.
How Shared Custody Affects Your CCB Payment
If parents share custody of a child, each eligible parent generally receives
50% of the amount they would receive under full custody.
Each parent's payment is calculated separately based on their own Adjusted Family Net Income (AFNI).
The CRA determines eligibility based on custody arrangements and does not divide payments using custom percentages.
When Is Your CCB Payment Reviewed?
The Canada Revenue Agency reviews and recalculates Canada Child Benefit payments every July after
processing income tax returns.
| Payment Period |
Based on Income Year |
| July 2026 – June 2027 |
2025 Income |
| July 2025 – June 2026 |
2024 Income |
Any changes to your family income will normally affect your future benefit period rather than your current payments.
Do the Child Disability Benefit (CDB) and Disability Tax Credit (DTC) Affect CCB?
Yes. Families whose child qualifies for the Disability Tax Credit (DTC)
may also qualify for the Child Disability Benefit (CDB).
The CRA automatically determines eligibility once your child has been approved for the Disability Tax Credit.
| Payment Period |
Maximum Annual Benefit |
Maximum Monthly Benefit |
Payment Details |
| July 2026 – June 2027 |
Up to $3,480 per child |
Up to $290 per child |
Paid together with the monthly Canada Child Benefit. |
Benefits of Using Our Canada Child Benefit Calculator
- Free Online Calculator: Use the calculator anytime at no cost.
- No Registration Required: Estimate your CCB without creating an account.
- Instant Payment Estimates: Receive results within seconds without manual calculations.
- Monthly & Annual Estimates: View both monthly and yearly benefit amounts.
- Income Impact Analysis: See how income changes affect your estimated CCB.
- Scenario Comparison: Compare multiple family income situations before making financial decisions.
- Budget Planning: Plan your monthly household budget with estimated benefit amounts.
- Shared Custody Estimates: Calculate estimated payments for shared custody arrangements.
- Child Disability Benefit Support: Include estimated CDB amounts where applicable.
- Mobile-Friendly: Access the calculator easily from desktops, tablets, and smartphones.
Who Can Use This Canada Child Benefit Calculator?
Canada Children Benefits calculator is useful for:
- Parents raising children under 18 years of age
- Families expecting a child
- New Canadian residents
- Parents with shared custody arrangements
- Families planning their future finances
- Individuals estimating upcoming CCB payments after filing their tax returns
Disclaimer
The CCB Payment Calculator provides estimated benefit amounts only.
Actual Canada Child Benefit payments are determined solely by the
Canada Revenue Agency (CRA) after reviewing your eligibility,
family situation, Adjusted Family Net Income (AFNI), and the information reported
on your income tax return.
Benefit amounts may change every July when the CRA recalculates payments using the previous
year's income and adjusts them for inflation.
Maximum Annual CCB Amounts (July 2026 - June 2027)
| Child's Age |
Annual Maximum |
Monthly Maximum |
| Under 6 years |
$8,157 |
$679.75 |
| 6 to 17 years |
$6,883 |
$573.58 |
These maximum amounts apply if your AFNI is below $38,237.
Reduction Percentages by Number of Children
For incomes between $38,237 and $82,847
| Number of Children |
Reduction Percentage |
| 1 child | 7% of income over $38,237 |
| 2 children | 13.5% of income over $38,237 |
| 3 children | 19% of income over $38,237 |
| 4 or more children | 23% of income over $38,237 |
For incomes over $85,000
| Number of Children |
Fixed Reduction |
Plus Percentage |
| 1 child | $3,257 | 3.2% of income over $85,000 |
| 2 children | $5,983 | 5.7% of income over $85,000 |
| 3 children | $8,251 | 8% of income over $85,000 |
| 4 or more children | $10,002 | 9.5% of income over $85,000 |
Example Calculations
Example 1: One Child Under 6, Income $45,000
Maximum amount: $7,827
Income over $36,000: $45,000 - $36,000 = $9,000
Reduction (7%): $9,000 × 0.07 = $630.00
Annual payment: $7,827 - $630.00 = $7,197.00 ($599.75/month)
Example 2: Two Children Under 6, Income $60,000
Maximum amount: $7,827 × 2 = $15,654
Income over $36,000: $60,000 - $36,000 = $24,000
Reduction (13.5%): $24,000 × 0.135 = $3,240.00
Annual payment: $15,654 - $3,240.00 = $12,414.00 ($1,034.50/month)
Example 3: Three Children Over 6, Income $50,000
Maximum amount: $7,012 × 3 = $21,036
Income over $36,000: $50,000 - $36,000 = $14,000
Reduction (19%): $14,000 × 0.19 = $2,660.00
Annual payment: $21,036 - $2,660.00 = $18,376.00 ($1,531.33/month)
Example 4: One Child Under 6, Income $100,000
Maximum amount: $7,827
Income over $85,000: $100,000 - $85,000 = $15,000
Reduction: $3,257 + ($15,000 × 0.032) = $3,257 + $480.00 = $3,737.00
Annual payment: $7,827 - $3,737.00 = $4,090.00 ($340.83/month)
Example 5: Four Children Over 6, Income $200,000
Maximum amount: $7,012 × 4 = $28,048
Income over $85,000: $200,000 - $85,000 = $115,000
Reduction: $10,002 + ($115,000 × 0.095) = $10,002 + $10,925.00 = $20,927.00
Annual payment: $28,048 - $20,927.00 = $7,121.00 ($593.42/month)
Provincial and Territorial Child Benefits
In addition to the federal CCB, many provinces and territories offer additional child benefits. Some are combined with your CCB payment, while others are paid separately.
Alberta
Alberta Child and Family Benefit (ACFB):
- First child: $1,529/year ($127.41/month)
- Second child: $764/year ($63.66/month)
- Third child: $764/year ($63.66/month)
- Fourth child: $764/year ($63.66/month)
Working Income Component:
- First child: $782/year ($65.16/month)
- Second child: $712/year ($59.33/month)
- Third child: $426/year ($35.50/month)
- Fourth child: $141/year ($11.75/month)
Base component reduced when income exceeds $28,116. Working component reduced when income exceeds $47,115. Paid quarterly in February, May, August, and November.
British Columbia
BC Family Benefit (BCFB):
- First child: $145.83/month
- First child in single parent family: $41.66/month additional
- Second child: $91.66/month
- Additional children: $75/month
For incomes under $30,176: Full benefit. For incomes $30,176-$96,562: Reduced by 4% of income over threshold, with minimums ($64.58 for first, $62.50 for second, $60.41 for additional). Over $96,562: Reduced until zero. Combined with CCB payment.
New Brunswick
NB Child Tax Benefit: $20.83/month per child
NB Working Income Supplement: Up to $20.83/month per family
NB School Supplement: $100 per child (paid annually in July) for families with income under $20,000
All combined with CCB payment.
Newfoundland and Labrador
NL Child Benefit:
- First child: $157.33/month
- Second child: $166.83/month
- Third child: $179.16/month
- Fourth child: $192.50/month
Early Childhood Nutrition Supplement: $150/month per child under 5
Reduced for incomes over $20,397. Combined with CCB.
Northwest Territories
NT Child Benefit: Monthly amounts vary by age and number of children:
- Under 6: $67.91 (1 child) to $203.75 (4 children)
- 6-17: $54.33 (1 child) to $163.00 (4 children)
Reduced for incomes over $30,000. Combined with CCB.
Nova Scotia
NS Child Benefit: $127.08/month per child
Reduced for incomes between $26,000 and $34,000. Combined with CCB.
Nunavut
NU Child Benefit: $29/month per child basic benefit
Territorial Workers' Supplement:
- $24.16/month for one child
- $30.75/month for two or more children
Reduced for incomes over $22,065. Combined with CCB.
Prince Edward Island
PEI Child Benefit:
- $34.16/month per child for incomes under $45,000
- $24.16/month per child for incomes $45,000-$80,000
Combined with CCB.
Saskatchewan
SK Low-Income Tax Credit:
- $460 per adult
- $181 per child (maximum 2 children)
- Up to $1,282 per family
Reduced for incomes over $39,345. Combined with GST/HST credit payments quarterly.
Quebec
Family Allowance: Administered by Retraite Québec
- School Supplies Supplement: $127 per child annually (ages 4-16 on September 30)
- Supplement for Handicapped Children: $241/month per eligible child
- Exceptional Care Supplement: $1,215/month (Tier 1) or $808/month (Tier 2) per child
Amounts adjusted for inflation annually in January.
Yukon
Yukon Child Benefit: $80.50/month per child
Reduced for incomes over $35,000. Combined with CCB.
Note: Quebec has its own Family Allowance program separate from the federal CCB. Contact Retraite Québec for information. Manitoba does not have a provincial child benefit administered by CRA. Ontario residents receive only the federal CCB with no additional provincial amount.
Frequently Asked Questions
Because waiting until July to find out what you get is frustrating. This CCB payment calculator shows you your estimated monthly benefit right now based on your income and number of kids. Plus it tells you which provincial benefits are included with your CCB payment so there are no surprises.
This CCB and provincial benefits estimator is for Canadian families with children under 18. New parents, adoptive parents, guardians, and anyone who just filed their taxes and wants to know what child benefits to expect. It also helps families understand if their province combines benefits with CCB or pays them separately.
100% free. No sign up, no credit card, no hidden fees. This federal and provincial child benefit calculator works for families in every province and territory. BC, Alberta, Ontario, Quebec, the Maritimes, and everywhere in between — it costs nothing to estimate your combined monthly child benefit payment.
No way. This CCB income and benefit tracker does not save, store, or share any of your information. No name, no SIN, no income details. Your answers stay in your browser. We never see them and we never sell your data. Completely private.
Yes. This Canadian child benefit calculator with provincial integration follows official CRA rules and provincial benefit schedules. That means the correct AFNI calculation, the income reduction rates, and accurate provincial integration — whether your province combines benefits with CCB (BC, NB, NS, PEI, NL, YT, NT, NU) or pays separately (Alberta, Saskatchewan). Quebec residents should use the QPIP calculator. It won't approve your benefit, but it tells you what to expect before July.
