What are the maximum CCB benefit amounts per child?

For the current benefit year, families can receive up to $7,787 per year ($648.91/month) for each child under 6 years of age, and up to $6,570 per year ($547.50/month) for each child aged 6 to 17 years.

What is Adjusted Family Net Income (AFNI) and how is it calculated?

AFNI is the combined net income of both parents/spouses on Line 23600 of their respective T1 Canadian income tax returns, minus any Universal Child Care Benefit (UCCB) or Registered Disability Savings Plan (RDSP) income reported.

At what income does the Canada Child Benefit start to get clawed back?

The CCB clawback begins when your Adjusted Family Net Income (AFNI) exceeds $36,502. If your AFNI is $36,502 or below, you receive the full 100% maximum entitlement without any reduction.

Is the Canada Child Benefit considered taxable income?

No. The Canada Child Benefit (CCB) is completely tax-free. You do not report CCB payments income on your annual Canadian income tax return, and it does not reduce other federal social benefits.

On what date each month does the CRA deposit CCB payments?

The CRA issues CCB payments on the 20th of each month (or the preceding business day if the 20th falls on a weekend or statutory holiday). If your annual entitlement is less than $240, it is paid single lump-sum in July.

🇨🇦 CRA Tax-Free Family Benefit Year Schedule

Canada Child Benefit (CCB) Calculator

Compute your official monthly tax-free Canada Child Benefit (CCB) deposit administered by the CRA: maximum rates for children under 6 and aged 6–17, Child Disability Benefit, and AFNI income phase-out clawbacks.

Quick Scenarios:

👶 Family Composition & Net Income

Children Under 6 Years Old

Up to $7,787/yr ($648.91/mo) each.

Children Aged 6 to 17 Years

Up to $6,570/yr ($547.50/mo) each.

Child Disability Benefit (CDB)

Up to $3,322/yr ($276.83/mo) per eligible child.

Adjusted Family Net Income (AFNI)

Line 23600 of parents' tax returns.

🏦 Monthly CRA Deposit

100% Tax-Free

Estimated Monthly CCB Payment

$ 0.00 / mo

Annual Total: $ 0.00 / year

Maximum Base Entitlement: $ 0.00 / yr

Income Phase-Out Clawback: - $ 0.00 / yr

Disability Benefit Add-on: $ 0.00 / yr

CRA Clawback Rate Tier: 13.5%

Official CRA Deposit Day: 20th of Every Month

* Benefit year runs from July to June based on previous calendar year tax returns filed by both parents.

🏛️ CRA Canada Child Benefit Rates & Clawback Schedule

Number of Eligible Children	Phase-Out Rate ($36.5k – $79k AFNI)	Base Clawback at $79,000	Phase-Out Rate (>$79k AFNI)
1 Eligible Child	7.0% of AFNI > $36,502	$2,975 flat base	3.2% of AFNI > $79,000
2 Eligible Children	13.5% of AFNI > $36,502	$5,737 flat base	5.7% of AFNI > $79,000
3 Eligible Children	19.0% of AFNI > $36,502	$8,075 flat base	8.0% of AFNI > $79,000
4 or More Children	23.0% of AFNI > $36,502	$9,775 flat base	9.5% of AFNI > $79,000

❓ Frequently Asked Questions: Canada Child Benefit (CCB)

Must both parents file a tax return to receive CCB? ▼

Yes. Even if one parent has zero income, both spouses or common-law partners must file their T1 income tax returns every single year by April 30. Failure by either partner to file will result in the CRA immediately stopping all monthly CCB payments starting in July.

How does shared custody affect CCB payments? ▼

If parents share custody of a child on an approximately equal basis (between 40% and 60% of the time), each parent receives exactly 50% of the CCB payment they would have received had the child lived with them full-time, calculated according to each parent's own individual AFNI.

Can RRSP contributions increase my CCB payments? ▼

Yes! Because the CCB is tested against your Adjusted Family Net Income (Line 23600), making deductible RRSP contributions lowers your AFNI dollar-for-dollar. For a family in the 13.5% clawback zone, every $1,000 contributed to an RRSP not only saves income tax but also yields an additional $135 in tax-free CCB payments.

Who qualifies for the Child Disability Benefit (CDB)? ▼

A child is eligible for the Child Disability Benefit (up to $3,322 per year) if they have a severe and prolonged impairment in physical or mental functions and have an approved Form T2201 (Disability Tax Credit Certificate) on file with the CRA.

Do new permanent residents or work permit holders qualify for CCB? ▼

Permanent residents, protected persons (refugees), and temporary residents with a valid work permit who have lived in Canada for the preceding 18 months and hold a valid permit in the 19th month are fully eligible to apply for CCB for their children.

📊 Canada Statutory CRA & Provincial Deductions Matrix

Statutory Component / Legal Deduction Item	Calculated Amount (CAD)
Primary Net / Statutory Payable Amount	$0.00 CAD

Engr. Muhammad Shahzad

Principal Financial Systems Architect & Canadian Federal CRA & Provincial Tax Policy Architect

Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.

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