Select age group for each child — affects the federal CCB amount (under 6 earns a higher rate).
Enter your Adjusted Family Net Income — the combined taxable income of you and your spouse/partner from your 2025 tax returns (Line 23600 each).
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.
| 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 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. | — |
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.
Frequently Asked Questions
Common questions about the Canada Child Benefit and BC Family Benefit.
The Canada Child Benefit (CCB) is a tax-free monthly payment made by the federal government to eligible families to help with the cost of raising children under the age of 18. It replaced several older programs including the Universal Child Care Benefit in 2016.
The amount you receive depends on your Adjusted Family Net Income (AFNI) — the combined net income of you and your spouse or common-law partner — and the ages and number of children in your care. Payments are recalculated every July based on your prior year's tax return.
The BC Family Benefit is a provincial top-up administered by the CRA on behalf of the Province of British Columbia. It provides monthly payments to families with children under 18 who reside in BC.
It has two tiers: a maximum amount for lower-income families (AFNI below ~$30,000) and a guaranteed minimum for middle-income families (AFNI up to ~$96,000). Above that threshold, the benefit phases out at 4% of the excess until it reaches zero.
Adjusted Family Net Income (AFNI) is the figure the CRA uses to determine your CCB and BC Family Benefit entitlement. It is the combined net income of both spouses or common-law partners from your most recent tax returns (Line 23600 on each return).
Certain deductions reduce your net income — and therefore your AFNI — which can increase your benefit payments. Common examples include RRSP contributions, eligible employment expenses, union dues, and deductible spousal support paid. This is why the deductions section of this calculator can meaningfully change your result.
The CCB uses a two-tier reduction system based on your AFNI:
Tier 1 — Once your AFNI exceeds $38,237, a percentage of the excess reduces your benefit. The rate depends on the number of children: 7% for 1 child, 13.5% for 2, 19% for 3, and 23% for 4 or more.
Tier 2 — Once your AFNI exceeds $82,847, a higher flat reduction applies. The reduction rates are fixed in the Income Tax Act and do not change year to year — only the income thresholds and per-child amounts are indexed to inflation annually.
The benefit does not abruptly cut off — it tapers gradually, so even higher-income families may receive a partial payment.
Yes — this is one of the most underutilized planning strategies for families. Because the CCB and BC Family Benefit are calculated on your net income (Line 23600), any deduction that reduces that number also reduces your AFNI, which can move you into a lower benefit phase-out tier or eliminate the phase-out entirely.
An RRSP contribution reduces your taxable income and your AFNI simultaneously. For families in the phase-out range, every $1,000 contributed to an RRSP can recover $70–$230 in additional annual child benefits depending on how many children you have — on top of the income tax savings.
Use the Step 3 — Income Deductions section above to model the exact impact for your situation.
CCB payments are made on the 20th of each month (or the closest business day before, if the 20th falls on a weekend or holiday). The BC Family Benefit is paid on the same schedule and on the same payment.
The benefit year runs from July to June. Your payments from July 2026 to June 2027 are based on your 2025 tax return. This means it is important to file your return on time even if you have no tax owing — late filing delays your CCB payments.
Yes, you must apply for the CCB — it is not automatic. You can apply:
— When registering the birth of your child (through the provincial Vital Statistics agency, which shares the information with CRA)
— Through My Account on the CRA website
— By filing Form RC66 (Canada Child Benefits Application)
The BC Family Benefit is administered by the CRA alongside the CCB — there is no separate provincial application. Once you are approved for the CCB and are a BC resident, you will automatically receive the BC portion.
Both spouses must file their tax returns every year to continue receiving payments, even if one spouse has no income.
This calculator uses the confirmed July 2026–June 2027 federal CCB rates (2025 base year, indexed at 2% CPI) and estimated BC Family Benefit figures pending the Province of BC's late-June 2026 publication.
It models the standard CCB and BC Family Benefit only. It does not include the Child Disability Benefit (CDB), the Canada Groceries & Essentials Benefit, other provincial top-ups, or situations involving shared custody (which use a 50% calculation). Results are estimates — your actual CRA Notice of Determination is the authoritative figure.
Always confirm your entitlement with the CRA or a qualified accountant.
