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🇨🇦 CRA Child Disability Benefit (CDB) & CCB — July 2026 to June 2027

Canada Child Disability Benefit (CDB) Calculator 2026–27

Estimate the tax-free Child Disability Benefit supplement using the current July 2026 to June 2027 maximum, your number of DTC-eligible children, and adjusted family net income (AFNI).

1. What is the Child Disability Benefit (CDB)?

The Child Disability Benefit (CDB) is a tax-free monthly benefit for families who care for a child under 18 who is eligible for the Disability Tax Credit (DTC). The CDB is an additional amount included with the Canada Child Benefit (CCB). To receive the CDB, the caregiver must be eligible for the CCB and the child must be DTC-eligible.

Key Points

  • For July 2026 to June 2027, the maximum CDB is C$3,480 per eligible child per year.
  • The maximum monthly amount is C$290 per eligible child.
  • CDB entitlement depends on the number of DTC-eligible children and adjusted family net income (AFNI).
  • The CDB is tax-free.
  • CRA recalculates CDB payments every July using the previous year's AFNI.
  • For July 2026 to June 2027, the calculation uses 2025 AFNI.
  • If you are already receiving CCB for a child who is eligible for the DTC, CRA automatically calculates and adds the CDB; you do not normally submit a separate CDB application.
Terminology WarningCDB means Child Disability Benefit. CGEB refers to a different Canada federal benefit and should not be used as the name of the Child Disability Benefit.

2. CDB eligibility requirements

CDB eligibility is linked directly to CCB and DTC eligibility. A family does not qualify merely because a child has a disability; the child must be approved for the DTC and the caregiver must satisfy the CCB rules.

Temporary Resident RuleFor a qualifying temporary resident, the CCB rules generally require 18 months of residence in Canada followed by a valid permit in the 19th month, subject to the detailed CRA rules.

3. DTC versus CDB versus CCB versus CGEB

These programs should not be treated as interchangeable. The DTC is a tax credit used to establish disability-related eligibility; the CDB is a child benefit supplement linked to CCB eligibility; the CCB is the broader child benefit; and CGEB is a separate federal grocery-related benefit program.

Form NoteForm T2201 is the Disability Tax Credit Certificate. It is used to apply for DTC eligibility; it is not a separate 'CDB application form.' Once the child is DTC-eligible and the caregiver is eligible for CCB, CRA automatically calculates the CDB.

4. CDB maximum amounts for July 2026 to June 2027

CRA's current CDB amount for the July 2026 to June 2027 benefit period is C$290 per month, or C$3,480 per year, for each eligible child. The amount is indexed and can change for a later benefit year.

BenefitAnnual maximumMonthly maximumPayment period
CDB — one eligible childC$3,480C$290.00July 2026 to June 2027
CDB — two eligible children before AFNI reductionC$6,960C$580.00July 2026 to June 2027
CDB — three eligible children before AFNI reductionC$10,440C$870.00July 2026 to June 2027
Maximum RuleThe displayed annual maximum is the amount before the AFNI-based CDB reduction. A family with higher AFNI may receive less or no CDB.
Calculation YearJuly 2026 to June 2027 payments use 2025 tax-year AFNI.

5. CDB calculator: current 2026–27 formula

For July 2026 to June 2027, CRA starts reducing the CDB when adjusted family net income (AFNI) is greater than C$82,847. The reduction depends on the number of children eligible for the CDB.

Calculator Inputs

input: Number of children eligible for the CDB
rule: Count children under 18 who are DTC-eligible and otherwise qualify for the CDB.
input: Adjusted family net income (AFNI)
rule: Use the AFNI for the relevant base year. For July 2026 to June 2027, use 2025 AFNI.

Algorithm

  • Confirm the caregiver and child meet CCB and DTC eligibility rules.
  • Enter the number of CDB-eligible children.
  • Enter the relevant AFNI.
  • Calculate income above C$82,847, but never use a negative amount.
  • If there is one eligible child, multiply the income above the threshold by 3.2%.
  • If there are two or more eligible children, multiply the income above the threshold by 5.7%.
  • Start with C$3,480 for each eligible child.
  • Subtract the applicable reduction.
  • If the result is below zero, use C$0.
  • Divide the annual result by 12 to obtain the approximate monthly equivalent.
Important QualificationThis formula is an estimate based on the published July 2026 to June 2027 CDB rules. CRA may calculate the official payment using the complete tax and benefit data on file, including changes in eligibility, custody or other circumstances.

6. CDB calculation examples for 2026–27

The following examples use the current CRA formula and assume the child or children remain eligible for the CDB for the full benefit period.

Scenario Examples

One DTC-eligible child; AFNI of C$60,000
One DTC-eligible child; AFNI of C$90,000
Two DTC-eligible children; AFNI of C$90,000
One DTC-eligible child; AFNI of C$200,000

7. Combined CCB and CDB maximums for July 2026 to June 2027

The CDB is an additional amount to the CCB. If a family qualifies for the maximum CCB and the maximum CDB, the two benefits can be combined. The following figures are maximums before any income reductions and assume the child is eligible for both programs.

CcbtreatmentThe CCB itself is also income-tested. For July 2026 to June 2027, the CCB maximum begins to reduce when AFNI exceeds C$38,237. Therefore, the combined CCB+CDB maximums shown above are not guaranteed amounts at higher AFNI.

8. How CDB payments are recalculated each July

The CDB is recalculated every July using the previous year's adjusted family net income. This means a change in family income can change the CDB payment when the next benefit year begins.

Payment Cycle

paymentPeriod: July 2026 to June 2027
incomeBase: 2025 AFNI
paymentPeriod: July 2025 to June 2026
incomeBase: 2024 AFNI

Important Points

  • A large change in income during 2025 can affect CDB payments beginning in July 2026.
  • The CDB can change when the DTC eligibility period changes.
  • The CDB can change when the number of eligible children changes.
  • A change in marital status, custody or residence can also affect CCB/CDB eligibility or amount.
  • To avoid interruptions, the caregiver and spouse/common-law partner should file their tax returns on time each year, even when income is zero or tax-exempt, where required by CRA.

9. How to become eligible through the DTC

The CDB depends on the child being eligible for the Disability Tax Credit. CRA requires a medical practitioner to certify the effects of the child's severe and prolonged impairment on Form T2201, after which CRA reviews the DTC application.

Dtc Process

  • Complete the applicant portion of Form T2201.
  • Have an appropriate medical practitioner complete the certification section relevant to the impairment.
  • Submit Form T2201 to CRA.
  • Wait for CRA's DTC eligibility decision.
  • Once the child's DTC eligibility is approved and the caregiver is eligible for the CCB, CRA can automatically calculate the CDB.
Important DistinctionDTC approval is a prerequisite for the disability component of CDB, but approval of the DTC does not mean the family automatically satisfies every CCB eligibility condition.

10. How to apply for CDB and when payments are automatic

There is generally no separate application for the CDB when an eligible caregiver is already receiving the CCB for a DTC-eligible child. CRA automatically calculates the CDB and adds it to the CCB payment.

Application Scenarios

scenario: Already receiving CCB and child's DTC is approved
result: CRA automatically calculates the CDB.
scenario: First-time CDB recipient
result: CRA states it can automatically calculate payments for the current and two previous benefit years once the relevant CCB and DTC conditions are satisfied.
scenario: CCB eligibility is not established
result: CDB is not payable merely because the child qualifies for the DTC. The caregiver must also meet the CCB rules.
Retroactive RuleCRA currently states that when you first receive the CDB, it can automatically calculate payments for the current and two previous benefit years. For periods earlier than those benefit years, a written request to the tax centre may be required under CRA's rules.

11. Shared custody and CDB

Shared custody can affect CCB and therefore CDB. CRA generally considers a child to be in shared custody when the child lives with each parent on an approximately equal basis, generally between 40% and 60% of the time. Where shared custody applies, both eligible caregivers can receive a share of the CCB and CDB rather than one parent receiving the entire amount.

Shared Custody Rules

  • The CRA should be notified when a shared-custody situation starts, changes or ends.
  • A parent generally qualifies for shared-custody treatment when the child lives with that parent at least 40% of the time on an approximately equal basis.
  • The CCB and related CDB amount can be divided between eligible shared-custody caregivers according to the CRA rules.
  • A simple '50/50 household calculator' should not be used as a substitute for the CRA's custody rules.

12. Important reasons the CDB can change or stop

CDB payments are not permanently fixed. CRA recalculates eligibility and amounts using current benefit information and tax data.

Change Factors

  • AFNI increases or decreases.
  • The child turns 18.
  • The child's DTC eligibility expires or changes.
  • The child no longer meets the applicable CCB eligibility rules.
  • The caregiver's CCB eligibility changes.
  • The number of DTC-eligible children changes.
  • A shared-custody arrangement begins, changes or ends.
  • The family moves and tax residency circumstances change.
  • Required income-tax returns are not filed on time, causing benefit-payment information to be unavailable or incomplete.

13. Calculator cautions and best-use instructions

This calculator should be presented as an estimate rather than a guaranteed CRA payment. The official CDB amount can depend on information CRA has on file and changes during a benefit year.

Calculator Warnings

  • Use 2025 AFNI for July 2026 to June 2027 calculations.
  • Use the number of children who are actually DTC-eligible and CDB-eligible.
  • Do not use gross income, salary or taxable income as a substitute for AFNI.
  • Do not add CDB to a tax return as taxable employment or investment income; CDB itself is tax-free.
  • Do not assume that the maximum CDB is payable regardless of family income.
  • Do not use the CDB formula to calculate the CCB reduction; the CCB has separate income-reduction formulas.
  • Do not treat Form T2201 as a separate CDB application form.
  • For an exact official amount, use the CRA account information and CRA's official child and family benefits calculator.
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Frequently Asked Questions (FAQs)

For the July 2026 to June 2027 benefit period, the maximum CDB is C$3,480 per eligible child per year, or C$290 per month. The maximum is reduced when adjusted family net income is above C$82,847.

For July 2026 to June 2027, the CDB starts to reduce when AFNI exceeds C$82,847. With one eligible child, the reduction is 3.2% of the AFNI above C$82,847. With two or more eligible children, the reduction is 5.7% of the AFNI above C$82,847. The result cannot be less than zero.

Usually no. If you already receive the CCB for a child who is approved for the DTC, CRA automatically calculates the CDB and adds it to your CCB payment. You first need the child's DTC eligibility and must meet the CCB eligibility rules.

No. Form T2201 is the Disability Tax Credit Certificate. A medical practitioner certifies the child's qualifying impairment on the form and CRA decides DTC eligibility. Once the child is DTC-eligible and the caregiver meets CCB requirements, CRA automatically calculates the CDB.

For CDB payments from July 2026 through June 2027, CRA uses the family's adjusted family net income from the 2025 tax year. The CDB is recalculated every July using the previous year's AFNI.

Potentially, yes. CRA generally treats a child as being in shared custody when the child lives with each eligible parent approximately equally, generally between 40% and 60% of the time. When shared custody applies, the related CCB and CDB can be divided between the eligible caregivers under CRA's rules.

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CDB Metrics — July 2026 to June 2027

Maximum Annual CDBC$3,480 per eligible child
Maximum Monthly CDBC$290 per eligible child
CDB Reduction ThresholdAFNI above C$82,847
Payment Tax StatusTax-free benefit
DTC RequirementChild must be approved for the DTC
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