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Homeโ€บCanadaโ€บChild Benefit Calculator

Canada Child Benefit Calculator 2025

Estimate your monthly CCB payments, see how income changes affect your benefit, and calculate shared custody amounts. Tax-free benefit for families with children under 18.

Number of children under age 6
Number of children ages 6 to 17
$
Combined net income from both parents' tax returns (line 23600)
Eligible for Child Disability Benefit (DTC approved)
Eligible for Child Disability Benefit (DTC approved)
โ€”
Estimates only. Actual CCB depends on your tax return and CRA assessment. CCB is tax-free.

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How to Use This Calculator

Tab "CCB Estimate"

Enter the number of children by age group (under 6 and 6-17) and your Adjusted Family Net Income (AFNI). The calculator shows your monthly and annual CCB, per-child breakdown, and comparison to the maximum benefit. Use the "More options" section to indicate children with disabilities for the additional Child Disability Benefit.

Tab "Income Impact"

Enter your current AFNI and a proposed income change (positive for a raise, negative for an RRSP contribution or deduction). See how the change affects your CCB and the effective clawback rate. Great for planning RRSP contributions.

Tab "Shared Custody"

Enter the number of children and each parent's AFNI. The calculator shows how CCB is split in a 50/50 shared custody arrangement, with a comparison of each parent's share and the total family benefit.

The Formulas

Maximum CCB (Jul 2025 โ€“ Jun 2026):
Under 6: $7,997/year ($666.41/month) per child
Ages 6-17: $6,748/year ($562.33/month) per child
Child Disability Benefit: additional $3,475/year per eligible child

Phase-out reduction:
AFNI โ‰ค $37,487: full benefit (no reduction)

AFNI $37,487 to $81,222: reduction = rate ร— (AFNI โˆ’ $37,487)
  1 child: 7% | 2 children: 13.5% | 3 children: 19% | 4+: 23%

AFNI > $81,222: additional reduction = rate ร— (AFNI โˆ’ $81,222)
  1 child: 3.2% | 2 children: 5.7% | 3 children: 8% | 4+: 9.5%

Annual CCB = Maximum โˆ’ Phase-out reduction
Monthly CCB = Annual CCB รท 12

Shared custody: Each parent receives 50% of their individually calculated CCB.

Tax status: CCB is completely TAX-FREE.

Example

Sarah & David โ€” 2 Children (Age 3 and Age 8), AFNI $75,000

Sarah and David have two children: one under 6 and one aged 6-17. Their combined AFNI is $75,000.

Max for child under 6$7,997/year
Max for child 6-17$6,748/year
Total maximum$14,745/year
Phase-out (13.5% ร— $37,513)โˆ’$5,064/year
Annual CCB$9,681/year
Monthly CCB~$807/month

RRSP insight: A $5,000 RRSP contribution would lower AFNI to $70,000, increasing CCB by ~$675/year โ€” an extra return on top of the tax deduction.

Frequently Asked Questions

You must be a Canadian resident for tax purposes, live with a child under 18, and be primarily responsible for the child's care. Both parents (or the parent and their spouse/common-law partner) must file tax returns each year, even if income is zero. Canadian citizens, permanent residents, protected persons, and temporary residents who have lived in Canada for 18 consecutive months are eligible.
No. The CCB is entirely tax-free. You do not report it as income on your tax return. However, you must file a tax return every year to continue receiving payments โ€” CRA uses your tax return to calculate your AFNI and determine your benefit amount for the next benefit year (July to June).
When parents share custody equally (the child lives roughly 40-60% of the time with each parent), CRA calculates CCB separately for each parent based on their individual AFNI, then pays each parent 50% of their calculated amount. Both parents must notify CRA of the shared custody arrangement. The total family CCB may differ from what one parent would receive with full custody.
RRSP contributions reduce your net income (line 23600 on your tax return), which lowers your AFNI. Since CCB phase-out is based on AFNI, lower income means less reduction and higher CCB. For families in the phase-out zone ($37,487โ€“$81,222 AFNI), each $1,000 RRSP contribution can increase CCB by $70โ€“$230 depending on family size โ€” an additional return beyond the tax deduction.
You can apply for CCB right after your child is born, either through the birth registration or by submitting Form RC66 to CRA. Processing typically takes about 8 weeks. Payments are retroactive to the month after the child's birth. CCB is paid monthly, usually on the 20th. The benefit year runs July to June, recalculated each July based on the previous year's tax return.

Related Calculators

๐Ÿงฎ Income Tax Calculator
Federal + provincial tax to find your AFNI.
๐Ÿ“ˆ RRSP Calculator
See how RRSP contributions reduce your AFNI and boost CCB.
๐Ÿ’ผ EI Calculator
Employment Insurance benefits and premiums.
๐Ÿ’ต Take-Home Pay Calculator
Net pay after all deductions including EI and CPP.
๐Ÿ’ฐ Salary Calculator
Annual, monthly, and hourly salary conversion.

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