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CRA Tax-Free Family Benefit Estimator
Estimate your monthly Canada Child Benefit (CCB) payment for the July 2026-June 2027 benefit year in one 100% private calculator.
Researched by usecos.app Research & Engineering · Official CRA guidance verified 2026-09-02
For the July 2026-June 2027 benefit year, the maximum annual Canada Child Benefit (CCB) is $8,157 per child under 6 ($679.75/month) and $6,883 per child aged 6 to 17 ($573.58/month). Families with Adjusted Family Net Income (AFNI) under $38,237 receive the 100% maximum payout. Above $38,237, benefits phase out based on income and number of children.
Official CRA boundary. This calculator estimates tax-free CCB payments based on CRA statutory rules. It does not replace CRA My Account determinations, formal benefit notices, or Child Disability Benefit (CDB) add-ons. It also does not estimate the Canada Carbon Rebate, which ended in April 2025.
Combined line 23600 from your & your spouse’s prior year CRA tax return.
The Canada Carbon Rebate (CCR) ended in April 2025 after the federal government removed the consumer fuel charge. There are no CCR payments in the 2026-2027 benefit year, so this calculator no longer estimates one. If you never filed a 2021-2024 tax return, you may still be eligible for a retroactive payment from the CRA — check the official CRA Canada Carbon Rebate page for the current filing cutoff.
| Benefit | Frequency | Deposit Dates |
|---|---|---|
| Canada Child Benefit (CCB) | Monthly | 20th of every month (moves to the prior business day if it falls on a weekend/holiday) |
| GST/HST Credit | Quarterly | January, April, July, October (5th of the month) |
Strategic tax actions, RRSP reduction modeling, and compliance protocols to ensure continuous maximum payouts.
Critical tax actions to protect eligibility and increase monthly payouts.
Both parents must file on time every year—even with $0 income. CRA automatically recalculates and stops CCB payments starting in July if either return is missing.
Every dollar contributed to an RRSP directly reduces line 23600 (AFNI), increasing monthly CCB payments by up to $32 to $135 per $1,000 contributed.
Families with an eligible child with a severe disability can receive up to $3,322/year additional tax-free supplement by filing CRA Form T2201.
If you share custody roughly equally (40%–60% of the time), both parents must register in CRA My Account to receive exactly 50% of the calculated CCB benefit.
CRA automatically assesses and combines provincial top-ups (Ontario Child Benefit $1,680/yr, BC Family Benefit, Alberta ACFB) into your single monthly deposit.
Ensure direct deposit details and mailing address are current before the July 20 benefit recalculation cycle to avoid mail delays.
Because Canada Child Benefit payments are calculated based on your Adjusted Family Net Income (AFNI), every dollar contributed to an RRSP lowers your net income, yielding both an income tax refund AND higher monthly child benefit payments.
1. CRA Tax Refund
+$1,525.00
Spring tax return payout
2. Extra CCB Cheque
+$285.00/yr
+$23.8/mo tax-free
Total Combined Benefit
+$1,810.00
36.2% instant return
Maximize family net worth with Canadian tax optimization.
Optimize RRSP deductions to lower AFNI and supercharge next year’s CCB.
Factor child benefits and household earnings into mortgage pre-approval.
Review marginal tax brackets to optimize family income splitting and RRSP room.
1 under 6, 1 aged 6-17
Max CCB: $15,040/yr
Reduction: $238/yr
Monthly CCB: $1,233.50/mo
1 under 6, 1 aged 6-17
Max CCB: $15,040/yr
Reduction: $4,288/yr
Monthly CCB: $896.00/mo
1 child under 6
Max CCB: $8,157/yr
Reduction: $3,671.60/yr
Monthly CCB: $373.78/mo
Because the CRA calculates CCB payments using Adjusted Family Net Income (AFNI, Line 23600), every dollar contributed to an RRSP lowers your family net income and increases your monthly child benefit check:
| Family Net Income (AFNI) | Phase-Out Clawback Rate | CCB Return per \$1,000 RRSP Contribution | Combined Marginal ROI (Tax Refund + CCB) | Strategic Opportunity |
|---|---|---|---|---|
| Under \$38,237 | 0% (Zero Clawback) | \$0 extra CCB (Already at maximum benefit) | 20.05% standard tax refund only | Prioritize TFSA over RRSP to avoid locking funds and maintain future withdrawal room. |
| \$38,237 to \$82,847 (1 Child) | 7.0% Clawback | +\$70.00 cash per \$1,000 RRSP | 36.6% combined return (29.6% tax refund + 7.0% CCB) | Sweet spot: Every \$5,000 in RRSP deductions adds \$350 in tax-free cash CCB payments over 12 months. |
| \$38,237 to \$82,847 (2 Children) | 13.5% Clawback | +\$135.00 cash per \$1,000 RRSP | 44.0% combined return (30.5% tax refund + 13.5% CCB) | High-yield bracket: Direct contribution triggers huge double benefit (effective 44%+ immediate refund). |
| Over \$82,847 (2+ Children) | 5.7% to 9.5% Clawback | +\$57.00 to +\$95.00 cash per \$1,000 RRSP | 48%–53% combined return at high marginal rates | Contribute RRSP aggressively to drag AFNI below \$82,847 and recapture maximum monthly child support. |
Confirm your family benefit calculation against official CRA guides and portals.