Canada Child Benefit Calculator (2025–26)

Estimate your monthly Canada Child Benefit for July 2025–June 2026 based on your adjusted family net income and number of children.

This calculator is for Canadian parents and guardians who want to estimate their monthly Canada Child Benefit before the CRA recalculates it each July. It helps families budget, understand how a change in income or a new child affects the payment, and see why the benefit drops as income rises. It is useful for new parents registering a baby, for separated parents in shared-custody arrangements, and for anyone whose income changed last year and who wants to anticipate the new benefit year. The estimate is based on the July 2025 to June 2026 amounts, which use your 2024 income.

The Canada Child Benefit is a tax-free monthly payment whose amount depends on the number and ages of your children and your adjusted family net income (AFNI). For the 2025–26 benefit year, the maximum is $7,997 per year for each child under six and $6,748 for each child aged six to seventeen. If your AFNI is at or below $37,487 you receive the maximum. Above that, the benefit is reduced on a two-tier basis: a first reduction rate applies to income between $37,487 and $81,222, and a higher fixed amount plus a second rate applies to income above $81,222, with both rates depending on how many children you have. The calculator applies your income to these tiers and reports the annual and monthly result.

A family with two children under six and an AFNI of $30,000 is below the $37,487 threshold, so they receive the full maximum: two times $7,997, or $15,994 a year — about $1,333 a month, completely tax-free. Now take a family with one child under six and one aged six to seventeen, with an AFNI of $50,000. Their maximum is $7,997 plus $6,748, or $14,745. Because $50,000 is in the first reduction tier, the benefit is reduced by 13.5% (the two-child rate) of income above $37,487 — about $1,689 — leaving roughly $13,056 a year.

The Canada Child Benefit is federal and consistent across the country, but several provinces and territories add their own child benefits that the CRA often pays alongside it, such as the Ontario Child Benefit, the BC Family Benefit, and the Alberta Child and Family Benefit. These have their own amounts and income tests and are not included in this estimate. If you live in a province with a top-up, your total monthly payment will be higher than the federal figure shown here, so check your provincial program as well.

• Using gross income instead of adjusted family net income, which is line-based and lower for many families.
• Forgetting the July reset. Each July the benefit is recalculated using the prior year's tax return, so filing on time matters even with no tax owing.
• Overlooking provincial top-ups, which add to the federal benefit and are not shown here.
• Assuming a new child is added automatically. You usually need to register the birth or apply so the CRA knows to pay.
• Ignoring shared custody, where each parent typically receives half the benefit for the shared child.

The benefit year runs from July to June and is based on the previous year's tax return, so both parents must file their taxes every year — even with no income — to keep payments flowing. Register a new child as soon as possible through birth registration or the CRA so payments start promptly; the CRA can generally only backdate a limited number of months. Payments arrive monthly, usually around the 20th.

• Canada Child Benefit — how much you can get - Canada Revenue Agency (retrieved 2026-06-09)