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Child benefits in Ontario

Every Canadian family gets the federal Canada Child Benefit. Ontario families also receive the Ontario Child Benefit (OCB) on top.

Program
Ontario Child Benefit (OCB)
Delivery
Monthly with CCB
Amounts
$146.66/month per child = $1,759.92/year (2026–27)
Phase-out
Full amount below $26,865 AFNI. Reduced by 8 cents per dollar of AFNI above $26,865, applied to total family OCB entitlement. Reaches zero at AFNI ≈ $70,863 for a 2-kid family.
Daycare reality
Average ~$19/day (~$5,000/year/child). Daily fees capped at $22. Will miss the federal $10/day-by-2026 target.

Run your Ontario numbers

The calculator below is pre-set to Ontario— adjust kids and income to see your family's number.

$75,000/year

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.

Other provinces

Territory pages (YT / NT / NU) launching with v1.1.

Sourced from primary government pages. See about for verification methodology. Province name reference: Ontario.