Step 1 — Children
Select age group for each child — affects the federal CCB amount (under 6 earns a higher rate).
Step 2 — Family Income (AFNI)
Enter your Adjusted Family Net Income — the combined taxable income of you and your spouse/partner from your 2025 tax returns (Line 23600 each).
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Step 3 — Income Deductions Impact
Certain deductions reduce your net income, which lowers your AFNI and can increase your child benefits. Enter amounts below to see the combined effect on your payments.
RRSP Contribution
Registered Retirement Savings Plan — deducted from net income up to your contribution room. One of the most common ways to reduce AFNI.
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Other Deductions
Any other deductions that reduce net income — e.g. union dues, moving expenses, carrying charges, deductible spousal support paid.
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Step 4 — Your Estimated Benefits
| AFNI Range | Reduction Method | Annual CCB | Monthly CCB |
|---|
| AFNI Range | Reduction | Annual BC Benefit | Monthly BC Benefit |
|---|
| # Children | Tier 1 Rate (AFNI $37,487–$81,222) | Tier 2 Base + Rate (AFNI > $81,222) |
|---|---|---|
| 1 | 7% | $3,123 + 3.2% |
| 2 | 13.5% | $6,022 + 5.7% |
| 3 | 19% | $8,476 + 8.0% |
| 4+ | 23% | $10,260 + 9.5% |
Tier 1: Applies to income between $38,237 and $82,847. Reduction = rate × (AFNI − $38,237), capped at $44,610 of eligible income.
Tier 2: Applies to income above $82,847. Uses the flat Tier 2 base amount + rate × (AFNI − $82,847).
Source: CRA confirmed 2026–2027 indexed amounts (2.0% CPI). Formal calculation sheet expected June 2026. Statutory rates unchanged — Income Tax Act s. 122.61.
Tier 2: Applies to income above $82,847. Uses the flat Tier 2 base amount + rate × (AFNI − $82,847).
Source: CRA confirmed 2026–2027 indexed amounts (2.0% CPI). Formal calculation sheet expected June 2026. Statutory rates unchanged — Income Tax Act s. 122.61.
| Child | Max Annual (AFNI ≤ $29,526) | Guaranteed Min (AFNI $29,526–$94,483) | Phase-out above $94,483 |
|---|---|---|---|
| 1st child | $1,785 (est.) | $791 (est.) | 4% of excess until $0 |
| 2nd child | $1,122 (est.) | $765 (est.) | 4% of excess until $0 |
| Each additional | $918 (est.) | $740 (est.) | 4% of excess until $0 |
| Single parent supplement | $500 | Reduced with overall calc. | — |
The BC Family Benefit is administered by the CRA on behalf of the Province of BC. The 4% phase-out rate applies to the total family benefit amount. Between $29,526 and $94,483, the benefit won't fall below the guaranteed minimum amounts shown. Above $94,483, the 4% continues to apply until the benefit reaches zero.
Federal CCB amounts are confirmed by CRA. BC Family Benefit amounts for July 2026–June 2027 (2025 base year) are estimated using 2% CPI indexation on the 2024 base year figures; the Province of BC typically publishes confirmed figures in late June 2026. Thresholds: est. $30,117 (floor) and $96,373 (min guarantee ends). Check gov.bc.ca for confirmed amounts.
Federal CCB amounts are confirmed by CRA. BC Family Benefit amounts for July 2026–June 2027 (2025 base year) are estimated using 2% CPI indexation on the 2024 base year figures; the Province of BC typically publishes confirmed figures in late June 2026. Thresholds: est. $30,117 (floor) and $96,373 (min guarantee ends). Check gov.bc.ca for confirmed amounts.
Disclaimer: This calculator is for informational and planning purposes only. It reflects the confirmed July 2026–June 2027 federal CCB rates (2025 base year) and estimated BC Family Benefit figures pending the Province of BC's June 2026 publication. It does not include the Child Disability Benefit (CDB), Canada Groceries & Essentials Benefit (formerly GST/HST credit), or other provincial top-ups. Common deductions that can increase your child benefits include RRSP contributions and other income-reducing deductions. Contribution room limits and deduction eligibility should be verified with a tax professional. Always confirm your entitlement with the CRA or a qualified accountant.
