{"id":8360,"date":"2026-05-12T15:41:47","date_gmt":"2026-05-12T19:41:47","guid":{"rendered":"https:\/\/montrealtips.com\/ccb-calculator\/"},"modified":"2026-05-12T15:41:47","modified_gmt":"2026-05-12T19:41:47","slug":"ccb-calculator","status":"publish","type":"page","link":"https:\/\/montrealtips.com\/fr\/ccb-calculator\/","title":{"rendered":"Canada Child Benefit Calculator 2026 (CCB)"},"content":{"rendered":"\n<div class=\"mtl-tool\" id=\"mtl-ccb\"><style>.mtl-tool{font-family:-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,sans-serif;color:#1a1a1a;max-width:760px;margin:24px auto;line-height:1.55}.mtl-tool .mtl-card{background:#f7f9fc;border:1px solid #e3e8ef;border-radius:14px;padding:24px 26px}.mtl-tool h2.mtl-h{margin:0 0 6px;font-size:22px;color:#0b1f3a}.mtl-tool .mtl-sub{margin:0 0 18px;color:#475569;font-size:14px}.mtl-tool label{display:block;font-weight:600;margin:14px 0 6px;font-size:14px;color:#0b1f3a}.mtl-tool input,.mtl-tool select{width:100%;padding:10px 12px;border:1px solid #cbd5e1;border-radius:8px;font-size:15px;background:#fff;box-sizing:border-box}.mtl-tool .mtl-btn{background:#d8232a;color:#fff;border:0;padding:12px 22px;border-radius:8px;font-weight:700;cursor:pointer;font-size:15px;margin-top:18px;width:100%}.mtl-tool .mtl-result{margin-top:18px;display:none}.mtl-tool .mtl-result.show{display:block}.mtl-tool .mtl-pick{background:#fff;border-left:4px solid #d8232a;border-radius:8px;padding:14px 16px;margin-bottom:10px}.mtl-tool .mtl-pick.monthly{border-left-color:#16a34a}.mtl-tool .mtl-pick.annual{border-left-color:#0284c7}.mtl-tool .mtl-pick h4{margin:0 0 4px;font-size:17px;color:#0b1f3a}.mtl-tool .mtl-pick .meta{font-size:12px;color:#64748b;margin-bottom:6px}.mtl-tool .mtl-pick p{margin:0;color:#475569;font-size:14px}.mtl-tool .mtl-note{font-size:12px;color:#64748b;margin-top:12px}<\/style><div class=\"mtl-card\"><h2 class=\"mtl-h\">Canada Child Benefit Calculator 2026<\/h2><p class=\"mtl-sub\">Estimates your monthly CCB based on Adjusted Family Net Income (AFNI) and number of children.<\/p><label>Adjusted Family Net Income (line 23600 combined for both partners)<\/label><input type=\"number\" id=\"mtl-cc-afni\" value=\"65000\" min=\"0\"><label>Number of children under 6<\/label><input type=\"number\" id=\"mtl-cc-young\" value=\"1\" min=\"0\" max=\"10\"><label>Number of children 6 to 17<\/label><input type=\"number\" id=\"mtl-cc-old\" value=\"1\" min=\"0\" max=\"10\"><label>Disabled child supplement<\/label><select id=\"mtl-cc-cdb\"><option value=\"0\" selected>No disabled child<\/option><option value=\"1\">1 child with disability tax credit<\/option><option value=\"2\">2 children with disability tax credit<\/option><\/select><button class=\"mtl-btn\" id=\"mtl-cc-go\">Calculate my CCB<\/button><div class=\"mtl-result\" id=\"mtl-cc-out\"><\/div><p class=\"mtl-note\">2026 maximums: $7,997 per child under 6, $6,748 per child 6 to 17. Phase-out starts at $36,502 AFNI. Disability supplement adds up to $3,411 per eligible child.<\/p><\/div><\/div><script>(function(){\nfunction calc(){\nvar afni=parseFloat(document.getElementById('mtl-cc-afni').value)||0;\nvar young=parseInt(document.getElementById('mtl-cc-young').value)||0;\nvar old=parseInt(document.getElementById('mtl-cc-old').value)||0;\nvar cdb=parseInt(document.getElementById('mtl-cc-cdb').value)||0;\nvar total=young+old;\nvar MAX_YOUNG=7997;\nvar MAX_OLD=6748;\nvar maxBenefit=young*MAX_YOUNG + old*MAX_OLD;\nvar THRESH_1=36502;\nvar THRESH_2=79087;\nvar reduction=0;\nif(afni>THRESH_1){\nvar firstTierRate;\nif(total===1)firstTierRate=0.07;\nelse if(total===2)firstTierRate=0.135;\nelse if(total===3)firstTierRate=0.19;\nelse firstTierRate=0.23;\nvar firstTierIncome=Math.min(afni, THRESH_2)-THRESH_1;\nreduction+=firstTierIncome*firstTierRate;\nif(afni>THRESH_2){\nvar secondTierRate;\nif(total===1)secondTierRate=0.032;\nelse if(total===2)secondTierRate=0.057;\nelse if(total===3)secondTierRate=0.08;\nelse secondTierRate=0.095;\nvar firstTierMax;\nif(total===1)firstTierMax=2981;\nelse if(total===2)firstTierMax=5749;\nelse if(total===3)firstTierMax=8091;\nelse firstTierMax=9794;\nreduction=firstTierMax+(afni-THRESH_2)*secondTierRate;\n}\n}\nvar ccb=Math.max(0, maxBenefit-reduction);\nvar cdbAmount=cdb*3411;\nvar cdbReduction=0;\nif(afni>THRESH_1 && cdb>0){\nvar cdbRate=(cdb===1)?0.032:0.057;\ncdbReduction=Math.min(cdbAmount, (afni-THRESH_1)*cdbRate);\n}\nvar cdbNet=Math.max(0, cdbAmount-cdbReduction);\nvar totalAnnual=Math.round(ccb+cdbNet);\nvar monthly=Math.round(totalAnnual\/12);\nvar html='';\nhtml+='<div class=\"mtl-pick monthly\"><h4>Estimated CCB: $'+monthly.toLocaleString()+'\/month<\/h4><div class=\"meta\">Annual: $'+totalAnnual.toLocaleString()+' \u00b7 Tax-free, deposited around the 20th each month<\/div><p>Based on '+total+' '+(total===1?'child':'children')+' and AFNI of $'+afni.toLocaleString()+'. CCB is non-taxable and does not need to be reported as income. Your July 2026 to June 2027 payments are based on your 2025 tax return.<\/p><\/div>';\nhtml+='<div class=\"mtl-pick annual\"><h4>Breakdown<\/h4><p>Maximum possible: $'+maxBenefit.toLocaleString()+'\/year<br>Income-based reduction: minus $'+Math.round(reduction).toLocaleString()+'<br>Disability supplement: $'+Math.round(cdbNet).toLocaleString()+(cdb>0?' (after phase-out)':'')+'<br><strong>Net annual CCB: $'+totalAnnual.toLocaleString()+'<\/strong><\/p><\/div>';\nif(afni<=THRESH_1){\nhtml+='<div class=\"mtl-pick\"><h4>You qualify for the full CCB<\/h4><p>Your AFNI is at or below $36,502, so you receive the maximum benefit for each child. The CCB phases down by 7 to 23 percent above this threshold (depending on number of children).<\/p><\/div>';\n} else if(afni>THRESH_2){\nhtml+='<div class=\"mtl-pick\"><h4>You are in the second phase-out tier<\/h4><p>Above $79,087 AFNI, the reduction rate drops to 3.2 to 9.5 percent (depending on family size). The CCB phases out completely around $200,000 to $250,000 AFNI for most families.<\/p><\/div>';\n}\nhtml+='<div class=\"mtl-pick\"><h4>How to apply<\/h4><p>If you have a newborn, register through your provincial vital statistics office at birth (Automated Benefits Application). Otherwise apply through CRA My Account \u2014 sign up for direct deposit and submit form RC66. The first payment usually arrives within <strong>8 weeks<\/strong>.<\/p><\/div>';\nvar el=document.getElementById('mtl-cc-out');el.innerHTML=html;el.classList.add('show');\n}\ndocument.getElementById('mtl-cc-go').addEventListener('click',calc);\ncalc();\n})();<\/script><\/div><h2>How much Canada Child Benefit will I get in 2026?<\/h2><p><strong>Quick answer:<\/strong> For the July 2026 to June 2027 benefit year, the maximum CCB is <strong>$7,997 per child under 6<\/strong> ($666 per month) and <strong>$6,748 per child age 6 to 17<\/strong> ($562 per month). The benefit is <strong>tax-free<\/strong> and phases down once your Adjusted Family Net Income (AFNI) crosses <strong>$36,502<\/strong>. A family with two kids (one under 6, one school-age) on $65,000 AFNI gets about <strong>$11,500\/year ($960\/month)<\/strong>. The CCB is paid on the <strong>20th of each month<\/strong> by direct deposit.<\/p><h3>2026 CCB maximum amounts<\/h3><table style=\"width:100%;border-collapse:collapse;margin:14px 0\"><thead><tr style=\"background:#f1f5f9\"><th style=\"padding:8px;text-align:left;border:1px solid #e2e8f0\">Child age<\/th><th style=\"padding:8px;text-align:left;border:1px solid #e2e8f0\">Annual max<\/th><th style=\"padding:8px;text-align:left;border:1px solid #e2e8f0\">Monthly max<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">Under 6<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">$7,997<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">$666.42<\/td><\/tr><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">6 to 17<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">$6,748<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">$562.33<\/td><\/tr><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">Disability supplement (CDB)<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">$3,411<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">$284.25<\/td><\/tr><\/tbody><\/table><h3>Phase-out rates (2026)<\/h3><p>Above $36,502 AFNI, the CCB reduces by a percentage of income above the threshold:<\/p><ul><li><strong>1 child:<\/strong> 7 percent up to $79,087, then 3.2 percent<\/li><li><strong>2 children:<\/strong> 13.5 percent up to $79,087, then 5.7 percent<\/li><li><strong>3 children:<\/strong> 19 percent up to $79,087, then 8 percent<\/li><li><strong>4+ children:<\/strong> 23 percent up to $79,087, then 9.5 percent<\/li><\/ul><p>The CCB phases out completely around <strong>$200,000 to $260,000 AFNI<\/strong> depending on family size and ages.<\/p><h3>How CCB benefit years work<\/h3><p>The CCB benefit year runs <strong>July to June<\/strong>. Your July 2026 to June 2027 payments are calculated from your <strong>2025 tax return<\/strong>. This is why both spouses must file every year \u2014 even with zero income \u2014 or the CCB will stop. The CRA recalculates the payment automatically; you do not need to reapply.<\/p><h2>CCB FAQ<\/h2><h3>What is the maximum CCB in 2026?<\/h3><p><strong>$7,997 per year per child under 6<\/strong> and <strong>$6,748 per year per child age 6 to 17<\/strong>, for families with AFNI at or below $36,502. The amount is indexed every July to the previous year inflation.<\/p><h3>At what income does the CCB stop?<\/h3><p>The CCB fully phases out around <strong>$200,000 to $260,000 AFNI<\/strong> depending on family size and children s ages. For one young child, the cut-off is roughly $200K; for a family with several children, it stretches past $260K.<\/p><h3>What is Adjusted Family Net Income (AFNI)?<\/h3><p>AFNI is the combined net income (line 23600 of each partner s tax return) minus universal child care benefit and registered disability savings plan income, plus any UCCB\/RDSP repayments. For most families it equals combined line 23600.<\/p><h3>Do I need to file taxes to get the CCB?<\/h3><p>Yes \u2014 every year. Both you and your spouse or common-law partner must file annually, even with zero income, or the CCB stops on July payments. New immigrants must file as soon as they have residency status.<\/p><h3>When does the CCB get paid?<\/h3><p>Around the <strong>20th of each month<\/strong>. Specific 2026 dates include January 20, February 20, March 20, April 17, May 20, June 19, July 20. If the 20th falls on a weekend, payment comes the previous Friday.<\/p><h3>Is the CCB taxable?<\/h3><p>No. CCB payments are completely tax-free and do not affect your eligibility for other benefits. You do not include them as income on your tax return.<\/p><h3>How do I apply for the CCB for a newborn?<\/h3><p>Most provinces use the <strong>Automated Benefits Application<\/strong> \u2014 when you register the birth with the province, the CCB enrolment happens automatically. Otherwise, submit form <strong>RC66<\/strong> through CRA My Account. First payment arrives within 8 weeks if you have direct deposit set up.<\/p><h2>Related Canadian tools<\/h2><ul><li><a href=\"\/gst-hst-credit\/\">GST\/HST Credit Eligibility 2026<\/a><\/li><li><a href=\"\/tax-refund-estimator\/\">Canada Tax Refund Estimator 2026<\/a><\/li><li><a href=\"\/ei-benefit-calculator\/\">EI Maternity \/ Parental Benefits 2026<\/a><\/li><\/ul><p style=\"font-size:13px;color:#64748b;margin-top:30px\">Estimate only. The CRA makes the official determination using your filed return. Sources: CRA Canada Child Benefit indexed amounts July 2025 to June 2026, federal Budget 2024 CCB measures.<\/p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the maximum CCB in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"$7,997 per year per child under 6 and $6,748 per year per child age 6 to 17, for families with AFNI at or below $36,502. The amount is indexed every July to the previous year inflation.\"}},{\"@type\":\"Question\",\"name\":\"At what income does the CCB stop?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The CCB fully phases out around $200,000 to $260,000 AFNI depending on family size and children ages. For one young child, the cut-off is roughly $200K. 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