1. What the CCB Calculator Estimates
The Canada Child Benefit (CCB) is a non-taxable monthly benefit administered by the Canada Revenue Agency. For the current payment period of July 2026 to June 2027, CRA calculates CCB using the number of eligible children, the ages of those children and the family's adjusted family net income (AFNI) from the 2025 tax year.
Key Framework Highlights:
- Maximum CCB for each child under age 6: $8,157 per year or $679.75 per month.
- Maximum CCB for each child aged 6 to 17: $6,883 per year or $573.58 per month.
- Families with AFNI below $38,237 receive the maximum CCB amount before any other adjustment.
- The first phase-out range is more than $38,237 through $82,847.
- A second phase-out formula applies once AFNI exceeds $82,847.
- CCB amounts are recalculated every July using the previous year's AFNI.
2. 2026-27 Maximum CCB Rates
CRA's current 2026-27 rates are indexed and apply for payments from July 2026 through June 2027.
| Eligible Child Age | Maximum Annual CCB | Maximum Monthly Equivalent |
|---|---|---|
| Under age 6 | $8,157 | $679.75 |
| Age 6 through 17 | $6,883 | $573.58 |
3. 2026-27 CCB Phase-Out Rules
The CCB reduction depends on AFNI and the number of eligible children. There are two phase-out ranges.
| AFNI Range | 1 Child | 2 Children | 3 Children | 4+ Children |
|---|---|---|---|---|
| Below $38,237 | No reduction | No reduction | No reduction | No reduction |
| $38,237 to $82,847 | 7% of income over $38,237 | 13.5% of income over $38,237 | 19% of income over $38,237 | 23% of income over $38,237 |
| Above $82,847 | $3,123 + 3.2% of income over $82,847 | $6,022 + 5.7% of income over $82,847 | $8,476 + 8% of income over $82,847 | $10,260 + 9.5% of income over $82,847 |
4. Exact 2026-27 CCB Calculator Formula
The CRA calculation can be represented as a two-stage annual formula. First determine the maximum amount based on the ages of all eligible children. Then subtract the applicable income-based reduction.
5. AFNI: What the Calculator Uses
CRA defines adjusted family net income rather than simply adding two copies of line 23600. The starting point is family net income, generally based on line 23600 for each spouse or common-law partner where applicable, followed by specific adjustments.
Key Framework Highlights:
- CRA generally starts with line 23600 family net income.
- For a two-parent family, the spouse or common-law partner's amount is also considered.
- Specific UCCB and RDSP income and repayment adjustments are included in CRA's AFNI definition.
- The AFNI used for July 2026 to June 2027 payments is based on the 2025 tax year.
6. Worked CCB Example: One Child Under 6
Suppose a family has one eligible child under age 6 and 2025 AFNI of $45,000. This falls in the first phase-out band.
7. Worked CCB Example: Two Children
Suppose a family has two eligible children under age 6 and AFNI of $60,000.
8. Worked CCB Example: AFNI Above $82,847
Suppose a family has one eligible child under age 6 and AFNI of $100,000.
9. Child Eligibility and Care Requirements
The CCB is not based on income alone. The applicant must satisfy the program's child, caregiving and residency requirements.
10. Temporary Residents and the 18-Month Rule
A temporary resident can qualify for the CCB, but CRA applies a specific residence-period test.
11. Filing Taxes to Continue Receiving CCB
CRA recalculates CCB each July using tax information from the previous year. Filing the required income tax return is therefore essential to keep benefits current.
Key Framework Highlights:
- The applicant must file the annual return needed for CRA to determine entitlement.
- For a spouse or common-law partner, CRA also requires the spouse/common-law partner to file the applicable return so family net income can be determined.
- This remains relevant even when the person had little or no income.
- The June 15 self-employed filing deadline is separate from CCB eligibility; late filing can delay or interrupt benefit calculations.
12. Shared Custody
When CRA considers a child to be in shared custody, each eligible parent generally receives 50% of what they would otherwise receive if they had full custody. The calculation is based on each parent's own AFNI.
Key Framework Highlights:
- CRA does not simply split the family's total CCB according to an arbitrary custody percentage.
- Each parent is assessed separately.
- Each parent must independently satisfy the relevant eligibility conditions.
- Custody status should be reviewed against CRA's actual shared-custody rules.
13. Child Disability Benefit (CDB) 2026-27
The Child Disability Benefit is an additional tax-free amount that can be paid with the CCB for a child who is eligible for the Disability Tax Credit.
Key Framework Highlights:
- The child must qualify for the Disability Tax Credit.
- CRA automatically calculates the CDB when the CCB eligibility information and DTC status are available.
- The CDB is subject to its own income reduction rules and should not simply be added at the maximum amount for every eligible child.
| Benefit Period | Maximum CDB per Eligible Child | Monthly Equivalent |
|---|---|---|
| July 2026 to June 2027 | $3,480 | $290 |
14. Provincial and Territorial Benefits
The CCB payment can include or be accompanied by related provincial and territorial child and family benefits. These programs have their own eligibility rules, amounts, thresholds and payment methods.
Key Framework Highlights:
- Some provincial or territorial benefits are combined with the CCB payment.
- Others are paid separately.
- The available benefit depends on the province or territory of residence and household circumstances.
- Do not hard-code one province's maximum into the national CCB calculator unless the user has selected that province and the province-specific calculation is being applied.
15. CCB Payment Dates for 2026
CRA publishes specific CCB payment dates. Payments are generally monthly, but the date is not always exactly the 20th.
| Month | 2026 CCB Payment Date |
|---|---|
| January | January 20, 2026 |
| February | February 20, 2026 |
| March | March 20, 2026 |
| April | April 20, 2026 |
| May | May 20, 2026 |
| June | June 19, 2026 |
| July | July 20, 2026 |
| August | August 20, 2026 |
| September | September 18, 2026 |
| October | October 20, 2026 |
| November | November 20, 2026 |
| December | December 11, 2026 |
16. CCB Payment-Year vs Tax-Year Timing
The CCB benefit year runs from July through June, while the tax information used to calculate it comes from the previous calendar tax year.
| Benefit Payment Period | AFNI Tax Year Used |
|---|---|
| July 2025 to June 2026 | 2024 AFNI |
| July 2026 to June 2027 | 2025 AFNI |
17. Child Age Changes During the Benefit Year
CCB rates change according to the child's age. A child turning 6 does not cause an immediate retroactive reduction for the entire benefit year.
18. CCB Application Methods
Eligible families can apply for the CCB through CRA's available application channels. New births can in appropriate circumstances be registered using the Automated Benefits Application, and CRA My Account can also be used for benefit-related services.
19. What Happens When Income Changes?
CCB generally uses the previous year's AFNI for the July-to-June benefit period. A material change in current-year circumstances therefore does not necessarily change the regular CCB amount immediately.
20. CCB Calculator Input Checklist
To produce a useful CCB estimate, the calculator should collect the following information.
21. CCB Calculation Workflow
A practical 2026-27 calculator should perform the following sequence.
Action Checklist:
- Verify that the user appears to meet the basic CCB eligibility conditions.
- Calculate AFNI using CRA's definition.
- Count eligible children and classify each by age.
- Calculate the maximum CCB from the current 2026-27 rates.
- Select the applicable phase-out bracket and child-count percentage.
- Apply the first or second reduction formula.
- Floor the annual CCB at zero if the reduction exceeds the maximum.
- Calculate the average monthly amount.
- Calculate the additional CDB if applicable.
- Apply shared-custody rules if applicable.
- Optionally add eligible provincial or territorial benefits using their separate formulas.
- Display the applicable CRA payment schedule.
22. Common CCB Calculator Mistakes
The most common CCB errors come from using an old benefit year or treating the program as a simple percentage of family income.
| Mistake | Correct 2026-27 Treatment |
|---|---|
| Using $7,787 and $6,570 as the 2026 rates | Those are base-year 2023 figures; current July 2026-June 2027 rates are $8,157 and $6,883 |
| Using $36,502 as the full-benefit threshold | Current 2026-27 threshold is $38,237 |
| Using $79,087 as the second phase-out threshold | Current threshold is $82,847 |
| Stopping the formula after the first phase-out band | A second fixed-plus-percentage reduction applies above $82,847 |
| Using only a one-, two- or three-child formula | CRA has a separate 4-or-more-child rate of 23% and 9.5% |
| Assuming the payment date is always the 20th | CRA's 2026 schedule includes June 19, September 18 and December 11 |
| Treating AFNI as simply the sum of two line 23600 amounts | CRA applies specific UCCB and RDSP adjustments |
| Ignoring shared custody | Each qualifying parent generally receives 50% of their own calculated entitlement |
| Adding a provincial benefit to every CCB estimate | Provincial/territorial programs have separate eligibility and amount rules |
| Using the old CDB maximum | Current July 2026-June 2027 maximum CDB is $3,480 per eligible child |
23. Official CRA Calculation References
For a 2026-27 calculator, the current CRA calculation page and payment schedule should be treated as the source of truth because rates and thresholds are indexed and recalculated each July.
Frequently Asked Questions
Official Government & CRA References
- CRA - Canada Child Benefit: How Much You Can Get
- CRA - Canada Child Benefit: Who Can Apply
- CRA - Canada Child Benefit Payment Dates
- CRA - Child and Family Benefits Calculator
- CRA - Canada Child Benefit Calculation Sheet
- CRA - Canada Child Benefit Information Guide
- Government of Canada - 2026-27 CCB Increase
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2026-27 CCB Metrics
- Max Payout (Under Age 6)$8,157 / Year ($679.75 / Month)
- Max Payout (Ages 6 to 17)$6,883 / Year ($573.58 / Month)
- Full-Benefit AFNI ThresholdUnder $38,237
- Upper Phase-Out Threshold$82,847
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