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Estimate your annual and monthly Canada Child Benefit based on your Adjusted Family Net Income (AFNI) and the number of children in your family. Covers both the July 2025–June 2026 and July 2026–June 2027 benefit years, including the Child Disability Benefit (CDB) and shared custody scenarios.
The CCB is a tax-free monthly payment from the federal government to eligible families raising children under 18. The benefit amount depends on your Adjusted Family Net Income (AFNI), the number of children, and their ages.
| Child age | Max annual benefit | Max monthly benefit |
|---|---|---|
| Under 6 | $7,997 | $666.42 |
| 6 to 17 | $6,748 | $562.33 |
These maximums apply to families with AFNI at or below $37,487. Above that threshold, the benefit is gradually reduced. Families with AFNI above approximately $190,000–$215,000 (depending on family size) receive no CCB.
The CCB is reduced in two tiers as AFNI increases. The reduction comes off the total family maximum — not per child.
| Number of children | Tier 1 rate (AFNI $37,487–$81,222) | Tier 2 rate (AFNI above $81,222) |
|---|---|---|
| 1 child | 7.0% | 3.2% |
| 2 children | 13.5% | 5.7% |
| 3 children | 19.0% | 8.0% |
| 4 or more | 23.0% | 9.5% |
Example 1: Single parent, 1 child age 4, AFNI $35,000
AFNI ($35,000) is below the $37,487 threshold — no reduction applies. Federal CCB: $7,997/year ($666.42/month).
Example 2: Two-parent family, 2 children (ages 3 and 8), AFNI $90,000
Maximum benefit: $7,997 + $6,748 = $14,745. AFNI exceeds both thresholds:
Tier 1 reduction (13.5% on $43,735): $5,904.23
Tier 2 reduction (5.7% on $8,778): $500.35
Federal CCB: $8,340.42/year ($695.04/month).
Example 3: High-income family, 1 child age 10, AFNI $250,000
Total phase-out exceeds maximum benefit — CCB is fully reduced. Federal CCB: $0.
AFNI (Adjusted Family Net Income) is the income figure the CRA uses to calculate your CCB. For a couple, it is the sum of both partners' net incomes (line 23600 of each return), minus any Universal Child Care Benefit (UCCB) repayment and Registered Disability Savings Plan (RDSP) repayment amounts.
For single parents, AFNI equals your own net income. Net income is your total income minus deductions like RRSP contributions, union dues, and childcare expenses.
Why filing taxes matters even with no income: The CRA can only calculate your CCB if you file a return. If you or your spouse do not file, the CRA will suspend CCB payments until the missing return is filed — even if you have zero income. File every year.
What is AFNI and where do I find it?
AFNI stands for Adjusted Family Net Income. It is found on line 23600 of your federal tax return (T1 General). For families, add both partners' net incomes and subtract any UCCB or RDSP repayment amounts. Your Notice of Assessment also shows your net income.
When does the CCB benefit year run?
The CCB benefit year runs July to June. The July 2025–June 2026 year uses your 2024 tax return. Benefits are paid monthly, usually around the 20th of each month. A new benefit year starts each July when the CRA recalculates based on the previous year's returns.
Do I need to apply for the CCB every year?
No. Once registered, the CRA recalculates automatically each July. But you must file taxes every year — even with no income — to keep your payments coming.
How does shared custody affect the CCB?
Each parent in a 50/50 shared custody arrangement receives 50% of what they would receive based on their own AFNI. Each parent calculates separately using their own income, not combined household income.
What is the Child Disability Benefit (CDB)?
The CDB is an additional payment for families caring for a child eligible for the Disability Tax Credit. For 2025–26, the maximum is $3,411/year ($284.25/month) per eligible child. It phases out above $81,222 AFNI.
Is the Canada Child Benefit taxable?
No. The CCB is completely tax-free. Do not include it in your income on your tax return.
Rates verified against CRA source documents: January 2026.
