How much is the Canada Child Benefit for 2026-27?

For July 2026 to June 2027 the maximum is $8,157 a year ($679.75 a month) for each child under 6 and $6,883 a year ($573.58 a month) for each child aged 6 to 17. You receive the full amount if your 2025 adjusted family net income is $38,237 or less. Above that the CRA reduces the total by a percentage of the excess, with the rate depending on how many children you have.

Which year's income sets my CCB payments?

The previous calendar year. Payments from July 2026 to June 2027 use 2025 adjusted family net income, and the CRA recalculates every July from your latest return. Only a deduction you can still claim on that earlier year's return, such as an RRSP contribution, can change the income being used.

What happens to the CCB if custody is shared?

Each parent receives 50% of the amount they would get with full custody, based on that parent's own adjusted family net income. The CRA will not split the amount using other percentages, or give the full amount to one parent if it considers the custody shared.

Is the Canada Child Benefit taxable?

No. The CRA says CCB payments are not taxable, so they are not reported as income on your return and they do not raise your adjusted family net income in a later year.

What is the child disability benefit?

Children eligible for the disability tax credit may qualify for an additional child disability benefit of up to $3,480 a year ($290 a month) each, added to the CCB payment. It starts being reduced when adjusted family net income passes $82,847, at 3.2% of the excess for one eligible child and 5.7% for two or more.

Canada Child Benefit Calculator (2026-27)

The full table of amounts at every income, the RRSP effect, and the marginal-rate tables are worked in the Canada Child Benefit guide.

What is the Canada Child Benefit?

The Canada Child Benefit (CCB) is a tax-free monthly payment from the Canada Revenue Agency (CRA) to families raising children under 18. The amount depends on three things: how many children are in your care, how old they are, and your adjusted family net income (AFNI) from the previous year. Payments are recalculated every July, so the amounts below cover July 2026 to June 2027 and use 2025 income.

Maximum amounts for July 2026 to June 2027

Families with an AFNI of $38,237 or less receive the full amount for each child:

Under 6 years of age: $8,157 a year ($679.75 a month)
6 to 17 years of age: $6,883 a year ($573.58 a month)

How the benefit is reduced

Above $38,237, the CRA reduces the family total by a percentage of the income over that line. The rate depends on the number of children, not their ages, and it tops out at four children:

1 child: 7% of income above $38,237
2 children: 13.5%
3 children: 19%
4 or more children: 23%

Above $82,847 the reduction switches to a fixed amount plus a lower rate on the income above that line: $3,123 plus 3.2% for one child, $6,022 plus 5.7% for two, $8,476 plus 8% for three, and $10,260 plus 9.5% for four or more. The fixed amount is the most the first band can take, so there is no cliff: the benefit slides down continuously and only changes slope at $38,237 and $82,847.

What counts as adjusted family net income

AFNI is the net income from line 23600 of your return plus line 23600 of your spouse or common-law partner, minus any Universal Child Care Benefit and Registered Disability Savings Plan income received, plus any of those amounts repaid. Because it is a combined figure, the split of income between two partners does not change the CCB. It also means an RRSP deduction lowers AFNI, which is why a deduction can raise the benefit as well as cut tax.

Shared custody and the child disability benefit

Each parent with shared custody receives 50% of what they would get with full custody, worked out from their own AFNI. The CRA does not split the amount using other percentages. Children eligible for the disability tax credit may also qualify for a child disability benefit of up to $3,480 a year ($290 a month) each, added to the CCB payment. That amount starts being reduced when AFNI passes $82,847, at 3.2% of the excess for one eligible child and 5.7% for two or more.

Assumptions on this calculator: benefit year July 2026 to June 2027, based on 2025 adjusted family net income; CRA maximums and reduction rates as published for that year; amounts are tax-free; provincial and territorial child benefits are separate and are not included. A child who turns 6 during the year is paid at the under-6 rate for the month of the birthday and at the 6-to-17 rate from the next month. Confirm your own figure with the CRA child and family benefits calculator before relying on it.

For the full worked tables, the effect of RRSP contributions and one-off income, and what an extra dollar of income costs once the CCB reduction is added to tax, read the companion Canada Child Benefit guide.

Canada Child Benefit Formula

The maximum is the sum of the per-child amounts. The reduction depends on your adjusted family net income and how many children you have.

A nn u a l C C B = M a x im u m - R e d u c t i o n

Maximum$8,157 for each child under 6 plus $6,883 for each child aged 6 to 17

ReductionIn the first band, the rate for your number of children times the income above $38,237. Above $82,847, a fixed amount plus the lower rate times the income above $82,847

M o n t h l y C C B

The annual amount divided by 12

Manual Step: One Child Under 6 at $45,000

The CRA's own example: a family with one child under 6 and an adjusted family net income of $45,000.

1. Maximum

The July 2026 to June 2027 maximum for one child under 6.

$8, 157.00

2. Income Above the First Threshold

Only the income above $38,237 counts toward the reduction.

$45, 000 - $38, 237 = $6, 763

3. Reduction at 7%

One child means the 7% rate in the first band.

$6, 763 \times 0.07 = $473.41

4. Annual CCB

Maximum minus reduction.

$8, 157.00 - $473.41 = $7, 683.59

Result

The CRA's own monthly figure is $640.29; dividing $7,683.59 by 12 gives $640.30, a one-cent rounding difference.

$7, 683.59 a year, about $640.30 a month

Frequently Asked Questions

How much is the Canada Child Benefit for 2026-27?: For July 2026 to June 2027 the maximum is $8,157 a year ($679.75 a month) for each child under 6 and $6,883 a year ($573.58 a month) for each child aged 6 to 17. You receive the full amount if your 2025 adjusted family net income is $38,237 or less. Above that the CRA reduces the total by a percentage of the excess, with the rate depending on how many children you have.
Which year's income sets my CCB payments?: The previous calendar year. Payments from July 2026 to June 2027 use 2025 adjusted family net income, and the CRA recalculates every July from your latest return. Only a deduction you can still claim on that earlier year's return, such as an RRSP contribution, can change the income being used.
What happens to the CCB if custody is shared?: Each parent receives 50% of the amount they would get with full custody, based on that parent's own adjusted family net income. The CRA will not split the amount using other percentages, or give the full amount to one parent if it considers the custody shared.
Is the Canada Child Benefit taxable?: No. The CRA says CCB payments are not taxable, so they are not reported as income on your return and they do not raise your adjusted family net income in a later year.
What is the child disability benefit?: Children eligible for the disability tax credit may qualify for an additional child disability benefit of up to $3,480 a year ($290 a month) each, added to the CCB payment. It starts being reduced when adjusted family net income passes $82,847, at 3.2% of the excess for one eligible child and 5.7% for two or more.

Sources

CRA, “How we calculate your Canada child benefit” (amounts for July 2026 to June 2027, reduction rates and fixed amounts, AFNI definition, shared custody, tax treatment): canada.ca (checked November 9, 2026)
CRA, “Child disability benefit” (up to $3,480 a year per eligible child, reduction above $82,847): canada.ca (checked November 9, 2026)