How much CCB will I get?
The Canada Child Benefit is the biggest federal transfer to families in the country. The amounts are bigger than most parents realize:
- Maximum per child under 6: $8,157/year ($679.75/month) for 2026–27.
- Maximum per child 6 to 17: $6,883/year ($573.58/month) for 2026–27.
- Below $38,237 AFNI: full maximum, untouched.
- $38k–$83k AFNI (Tier 1): phases out at 7%, 13.5%, 19%, or 23% of income above $38k — depending on whether you have 1, 2, 3, or 4+ kids.
- Above $83k AFNI (Tier 2): continues phasing out at a lower rate.
Provincial / territorial supplements stack on top — Ontario adds $1,759.92/year per child for low-to-moderate income families. Quebec runs its own structurally different system paid quarterly by Retraite Québec. BC, Alberta, NB, NS, NL, PEI, Manitoba, Saskatchewan, Yukon, NWT, and Nunavut each have their own program.
The federal Canada Groceries and Essentials Benefit (CGEB, formerly the GST/HST credit until July 2026) adds another quarterly cheque — $679 single / $890 couple / $234 per kid, phasing out at 5% above ~$46,500 AFNI.
Combined for both parents if both work. Just one parent's income if one's at home.
Any kids under 6?
Under-6 kids get more CCB ($8,157/yr vs $6,883/yr).
Your family gets
$840
tax-free per month
That's $10,077 tax-free per year — in your account, untouched by tax. (13% of your household income.)
The breakdown
- $839.75/month — Canada Child Benefit$10,077/yr
The single-income reality check
If one parent stayed home with the kids — here's how the math changes.
Two incomes today
$5,972/mo
After tax + benefits − daycare.
Daycare for 1 kid under 6 costs about $5,016/yr in Ontario.
One parent at home
$6,229/mo
After tax + benefits. No daycare bill. Spousal tax credit kicks in (~$2,300 federal saved).
One income comes out $257/month ahead.
That's $3,080more per year in the family budget — before any quality-of-life math. The benefits don't change (same household income, same AFNI). What changes: the tax bracket walks differently for a single earner, the spousal credit appears, and daycare disappears as a line item.
Assumes 60/40 split for two-income, married couple, all kids under 6 attend daycare in the two-income scenario. Open the advanced calculator for exact numbers, RRSP impact, second-income breakeven for your specific wage.