CRA Tax-Free Family Benefit Estimator

Canada Child Benefit Calculator (2026)

Name: Canada Child Benefit Calculator 2026
Author: usecos.app Research & Engineering

Estimate your monthly 2026 Canada Child Benefit (CCB) and quarterly Canada Carbon Rebate (CCR) payments in one 100% private calculator.

Researched by usecos.app Research & Engineering · Official CRA guidance verified 2026-08-01

Direct answer

For the 2026 benefit year, the maximum annual Canada Child Benefit (CCB) is $7,787 per child under 6 ($648.91/month) and $6,570 per child aged 6 to 17 ($547.50/month). Families with Adjusted Family Net Income (AFNI) under $36,502 receive the 100% maximum payout. Above $36,502, benefits phase out based on income and number of children.

Official CRA boundary. This calculator estimates tax-free CCB and CCR payments based on CRA statutory rules. It does not replace CRA My Account determinations, formal benefit notices, or Child Disability Benefit (CDB) add-ons.

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Benefit Inputs

Adjusted Family Net Income — AFNI ($ CAD)

Combined line 23600 from your & your spouse’s prior year CRA tax return.

Children Under 6 Years

Children Aged 6 to 17

Province / Territory

Determines provincial Canada Carbon Rebate (CCR) base rates.

Small & Rural Community Resident?Qualifies for +20% rural top-up supplement on Carbon Rebate.

CRA Monthly Benefit

CCB: $988.31 / month

Carbon Rebate (CCR)$280.00Quarterly Payout ($1,120.00/year)

Combined Annual Total$12,979.77CCB + CCR Total Tax-Free

Calculation BreakdownYour CCB benefit is reduced by $2,497/year because your family net income ($55,000) exceeds the $36,502 CRA threshold.

Official 2026 CRA Payment Schedule

Benefit	Frequency	Official 2026 Deposit Dates
Canada Child Benefit (CCB)	Monthly	20th of every month (Dec 11 early holiday payout)
Carbon Rebate (CCR)	Quarterly	Jan 15, Apr 15, Jul 15, Oct 15
GST/HST Credit	Quarterly	Jan 5, Apr 3, Jul 3, Oct 5

2026 CCB Family Worked Examples

Family Scenario A

$40,000 Income (2 Kids)

1 under 6, 1 aged 6-17
Max CCB: $14,357/yr
Monthly CCB: $1,159/mo
Ontario CCR: $280/quarter

Family Scenario B

$70,000 Income (2 Kids)

1 under 6, 1 aged 6-17
Reduction: $4,522/yr
Monthly CCB: $819/mo
Alberta CCR: $450/quarter

Family Scenario C

$100,000 Income (1 Kid)

1 child under 6
Reduction: $3,651/yr
Monthly CCB: $344/mo
Ontario CCR: $245/quarter

Methodology and assumptions

Adjusted Family Net Income (AFNI) equals line 23600 of your tax return plus your spouse or common-law partner’s net income.
The first CRA threshold is $36,502; income below this threshold qualifies for 100% of the maximum CCB benefit.
The second CRA threshold is $79,087, above which higher phase-out rates apply based on the number of qualifying children.
Canada Carbon Rebate (CCR) estimates use 2026 base quarterly rates for Ontario, Alberta, Saskatchewan, Manitoba, and Atlantic provinces, plus 20% for small/rural communities.

Important limitations

Does not calculate Child Disability Benefit (CDB) add-on amounts ($3,173/year per eligible child).
Does not include province-specific child benefits (e.g. Ontario Child Benefit or BC Family Benefit).
Requires filing an annual CRA tax return to receive payments, even if you had $0 income.

Official sources and verification links

Confirm your family benefit calculation against official CRA guides and portals.

CRA Canada Child Benefit (CCB) overviewOfficial CRA guide on maximum CCB amounts, income thresholds, payment dates, and eligibility rules.Canada Carbon Rebate (CCR) amountsOfficial CRA breakdown of quarterly carbon rebate base payouts and rural community supplements by province.