CCB GROUP CALCULATOR

Use this free CCB Group Calculator Canada to estimate your annual and monthly Canada Child Benefit payments. Enter your adjusted family net income and the number of eligible children under age 6 and between ages 6 and 17 to calculate an estimated CCB amount.

The calculator uses the Canada Child Benefit rates and reduction formulas published for the July 2026 to June 2027 payment period. Actual payments are determined by the Canada Revenue Agency (CRA) based on your individual circumstances and tax information.

What Is a CCB Group Calculator?

The CCB Group Calculator is an online tool designed to help Canadian families estimate their potential Canada Child Benefit payments. CCB is a tax-free monthly benefit administered by the Canada Revenue Agency to help eligible families with the cost of raising children.

The amount a family receives depends mainly on adjusted family net income, the number of children in care, and the ages of eligible children. As family income increases above the applicable threshold, the CCB amount is gradually reduced.

For the July 2026 to June 2027 payment period, CCB calculations are based on the family's adjusted family net income from the 2025 tax year. :contentReference[oaicite:1]{index=1}

Canada Child Benefit Rates for 2026–2027

For the July 2026 to June 2027 payment period, the maximum CCB is $8,157 per year for each eligible child under age 6 and $6,883 per year for each eligible child aged 6 to 17. This equals $679.75 and $573.58 per month respectively when the maximum rate applies. :contentReference[oaicite:2]{index=2}

The maximum amount applies when adjusted family net income is below the current phase-out threshold of $38,237. Once AFNI exceeds that amount, the benefit reduction depends on the number of eligible children. :contentReference[oaicite:3]{index=3}

How Does the Canada Child Benefit Work?

The Canada Child Benefit is calculated using information from the family's tax return. The CRA considers the number of children in care, their ages, and adjusted family net income when determining the benefit amount.

Adjusted family net income, commonly called AFNI, is based on family net income with certain adjustments. If a person has a spouse or common-law partner, the relevant family income includes the spouse's income as applicable. :contentReference[oaicite:4]{index=4}

CCB Reduction Thresholds for 2026–2027

For the current July 2026 to June 2027 payment period, the first reduction begins when AFNI is above $38,237. A second calculation applies when AFNI is above $82,847. The reduction percentage depends on the number of eligible children. :contentReference[oaicite:5]{index=5}

Who Can Receive the Canada Child Benefit?

The CCB is intended for eligible families who meet the applicable Canada Revenue Agency requirements. Eligibility can depend on residency, responsibility for the child, the child's age and other factors.

In general, the applicant must live with and be primarily responsible for the care and upbringing of a child who is under 18. Citizenship, immigration status and residency rules can also affect eligibility.

Factors That Affect Your CCB Amount

1. Adjusted Family Net Income

AFNI is one of the main factors used to calculate CCB. Families with lower AFNI may receive the maximum benefit, while payments generally decrease as AFNI rises above the applicable threshold.

2. Number of Eligible Children

The number of eligible children affects both the maximum benefit and the applicable reduction rate. Families with more eligible children can have a larger total maximum benefit.

3. Age of the Children

The CCB has different maximum amounts for children under age 6 and children aged 6 to 17. A child who turns 6 during a payment period changes from the under-6 rate to the 6-to-17 rate according to the CRA rules. :contentReference[oaicite:6]{index=6}

4. Family Situation

Your family circumstances can affect how your benefit is calculated. For example, a spouse or common-law partner's income can be included when determining adjusted family net income.

5. Shared Custody

Shared custody can affect CCB payments. CRA states that when it considers a child to be in shared custody, each eligible parent generally receives 50% of the amount they would have received under full custody, with the calculation based on that parent's AFNI. :contentReference[oaicite:7]{index=7}

How to Use This CCB Group Calculator

1. Enter your adjusted family net income from the relevant tax year.
2. Enter the number of eligible children under age 6.
3. Enter the number of eligible children aged 6 to 17.
4. Click the Calculate CCB Benefit button.
5. Review your estimated annual and monthly CCB amounts.

CCB Calculation Example

Suppose a family has one child under age 6 and an adjusted family net income of $45,000.

The maximum annual CCB for one child under 6 is $8,157. Since the family's AFNI is $6,763 above the $38,237 threshold, the first reduction is 7% of that excess income.

The reduction is approximately $473.41, resulting in an estimated annual CCB of $7,683.59, or approximately $640.30 per month for the July 2026 to June 2027 period. This example follows the CRA's published calculation. :contentReference[oaicite:8]{index=8}

Why Canadian Families Use a CCB Calculator

CCB payments can form an important part of a family's monthly budget. An estimate can help parents understand how changes in income or family size may affect their expected benefit.

• Estimate potential monthly CCB payments.
• Estimate annual CCB benefits.
• Understand the effect of family income.
• Compare different income scenarios.
• Plan household expenses.
• Understand CCB reduction rules.
• Prepare for changes in family circumstances.

CCB and Annual Tax Returns

CCB payments are recalculated every July using adjusted family net income from the previous year. For the July 2026 to June 2027 payment period, CRA uses 2025 income information. :contentReference[oaicite:9]{index=9}

This means that a change in family income during 2025 can affect CCB payments beginning in July 2026. Keeping tax information current is therefore important when receiving income-tested child benefits.

Is the Canada Child Benefit Taxable?

No. Canada Child Benefit payments are not taxable and do not need to be reported as taxable income on your tax return. :contentReference[oaicite:10]{index=10}

CCB Payment Schedule

The CCB payment period runs from July through June of the following year. The CRA recalculates the benefit every July using the applicable previous-year income information.

For example, the July 2026 to June 2027 payment period is based on 2025 adjusted family net income. :contentReference[oaicite:11]{index=11}

CCB and Provincial or Territorial Benefits

Some provinces and territories have their own child and family benefit programs. Certain provincial or territorial benefits may be administered by CRA and can be included with CCB-related payments, while others may be paid separately. :contentReference[oaicite:12]{index=12}

Because these additional programs have their own eligibility rules, this calculator estimates the federal CCB only and does not add provincial or territorial child benefits.

Child Disability Benefit and CCB

Some families may also qualify for the Child Disability Benefit if an eligible child qualifies for the Disability Tax Credit. For July 2026 to June 2027, the CDB can provide up to $3,480 per eligible child, or $290 per month. :contentReference[oaicite:13]{index=13}

The Child Disability Benefit is not included in the estimate produced by this CCB Group Calculator.

Tips for Managing Your CCB Benefits

• File your income tax return every year.
• Keep your marital status information updated with CRA.
• Keep your children's information current.
• Report relevant changes in family circumstances.
• Review your CRA benefit information regularly.
• Keep records of your income and tax information.
• Check the latest CRA CCB thresholds before making financial plans.

Frequently Asked Questions

1. What does CCB stand for?

CCB stands for Canada Child Benefit. It is a tax-free benefit administered by the Canada Revenue Agency for eligible families raising children under age 18.

2. How much is the maximum CCB in 2026?

For July 2026 to June 2027, the maximum CCB is $8,157 per year for each eligible child under age 6 and $6,883 per year for each eligible child aged 6 to 17. :contentReference[oaicite:14]{index=14}

3. What income is used for CCB calculations?

CCB calculations use adjusted family net income. For the July 2026 to June 2027 payment period, the calculation is based on 2025 adjusted family net income. :contentReference[oaicite:15]{index=15}

4. Does higher income reduce CCB?

Yes. The CCB begins to decrease when adjusted family net income is above the applicable threshold. The reduction percentage depends on the number of eligible children. :contentReference[oaicite:16]{index=16}

5. Is CCB taxable?

No. Canada Child Benefit payments are not taxable. :contentReference[oaicite:17]{index=17}

6. Does the number of children affect CCB?

Yes. The number of eligible children affects the maximum total benefit and the income reduction formula used by CRA.

7. Does the age of a child affect CCB?

Yes. The maximum benefit is different for children under age 6 and children aged 6 to 17.

8. Can shared custody affect CCB?

Yes. CRA has specific rules for shared custody. In situations CRA considers shared custody, each eligible parent generally receives 50% of the amount they would have received with full custody, calculated using their own AFNI. :contentReference[oaicite:18]{index=18}

9. Does this calculator include provincial child benefits?

No. This calculator estimates the federal Canada Child Benefit only. Provincial and territorial programs have separate rules and are not included in the estimate.

10. Does this calculator include the Child Disability Benefit?

No. The Child Disability Benefit is a separate benefit and is not included in the CCB estimate produced by this calculator.

11. Is this an official CRA calculator?

No. This is an independent estimation tool. It is not affiliated with or operated by the Canada Revenue Agency.

12. Why can my actual CCB payment be different?

Your official CCB payment can differ because CRA uses your individual tax information, family circumstances, eligibility status and other applicable rules when calculating the benefit.

Final Thoughts

The CCB Group Calculator Canada provides a simple way to estimate potential Canada Child Benefit payments using adjusted family net income and the number and ages of eligible children. The current calculator uses the CRA's published July 2026 to June 2027 rates and reduction formulas.

Because CCB payments are based on individual tax and family information, the result should be treated as an estimate rather than an official benefit amount. For an official calculation, families should review their CRA information and use the Government of Canada's child and family benefits resources.