Last Updated On 20 June 2026, 9:41 AM EDT (Toronto Time)
The Canada Child Benefit is officially increasing on July 20, 2026, putting more money into the bank accounts of millions of Canadian families raising children under the age of 18.
The CRA has confirmed a 2% Consumer Price Index indexation that raises the maximum CCB to $8,157 per year for each child under six and $6,883 per year for each child aged six to 17, effective with the start of the new benefit year on July 1.
Update: The July 20 Canada Child Benefit payment article with the new amounts, income thresholds and full payment schedule is now available here.
The July 20 deposit will be the first payment at the new higher rates, replacing the amounts that were in effect through the final June 19 payment of the previous benefit year.
Along with higher maximums, both income thresholds are expanding, meaning families who were just above the full-payment cutoff will now qualify for larger deposits under the updated eligibility brackets.
Here is exactly how much more your family will receive, how the calculations change at every income level, and every confirmed payment date through June 2027.
Table of Contents
Exact CCB Increase Amounts for July 2026
The following table shows the confirmed before-and-after comparison for every CCB component, with the annual increase and the monthly difference families will see starting July 20.
| Component | 2025–26 Rate | 2026–27 Rate | Monthly Increase |
| Child under 6 | $7,997/yr ($666.42/mo) | $8,157/yr ($679.75/mo) | +$13.33/mo |
| Child aged 6–17 | $6,748/yr ($562.33/mo) | $6,883/yr ($573.58/mo) | +$11.25/mo |
| Child Disability Benefit | $3,411/yr ($284.25/mo) | $3,480/yr ($290.00/mo) | +$5.75/mo |
These are the maximum amounts for families with adjusted family net income below the first phase-out threshold, and partial amounts apply at higher income levels based on the CRA’s two-tier reduction formula.
How Much More You Will Receive by Family Size
The combined annual increase depends on how many children you have and their ages, and the following table shows the total additional amount for families receiving the full maximum CCB at the lowest income bracket.
| Family Scenario | New Annual CCB | New Monthly CCB | Annual Increase |
| 1 child under 6 | $8,157 | $679.75 | +$160 |
| 1 child aged 6–17 | $6,883 | $573.58 | +$135 |
| 2 children under 6 | $16,314 | $1,359.50 | +$320 |
| 1 under 6 + 1 aged 6–17 | $15,040 | $1,253.33 | +$295 |
| 3 children under 6 | $24,471 | $2,039.25 | +$480 |
| 2 under 6 + 1 aged 6–17 | $23,197 | $1,933.08 | +$455 |
A family with three children under six receiving the full maximum will see their combined annual CCB increase by $480, or $40 more per month deposited directly into their account.
Income Thresholds Expanding in July
The 2% indexation also raises both income thresholds that determine when your CCB starts to phase out, as confirmed on the CRA’s published indexation chart.
| Threshold | Current (to June 2026) | New (from July 2026) |
| First phase-out threshold | $37,487 | $38,237 |
| Second phase-out threshold | $81,222 | $82,847 |
Families with adjusted family net income below $38,237 receive the full maximum for every eligible child, regardless of how many children they have.
Families earning between $37,487 and $38,237 who received reduced payments throughout the current benefit year could now qualify for the full maximum under the expanded threshold.
The higher second threshold of $82,847 means that middle-income families above that level will face the steeper reduction rate on a slightly smaller portion of their income, resulting in marginally higher payments.
Phase-Out Reduction Rates by Number of Children
Once your adjusted family net income exceeds $38,237, the CRA reduces your CCB using a percentage that increases with the number of children in your household.
A second, steeper reduction applies to income above $82,847.
| Children | Rate: $38,237–$82,847 | Rate: Above $82,847 | Application |
| 1 child | 7.0% | 3.2% | Both tiers additive |
| 2 children | 13.5% | 5.7% | Both tiers additive |
| 3 children | 19.0% | 8.0% | Both tiers additive |
| 4+ children | 23.0% | 9.5% | Both tiers additive |
July 2026 CCB Calculations at Different Income Levels
The following examples use the new 2026–27 benefit year rates and thresholds to show exactly what different families will receive starting with the July 20 payment, calculated using 2025 adjusted family net income.
Family With One Child Under 6
| 2025 AFNI | Annual CCB | Monthly CCB |
| $35,000 | $8,157 | $679.75 |
| $50,000 | $7,334 | $611.13 |
| $80,000 | $5,234 | $436.13 |
| $100,000 | $4,485 | $373.78 |
*Note: Families whose actual income changed between 2024 and 2025 will see a different comparison because the July payment uses 2025 income rather than 2024.
Family With Two Children (One Under 6, One Aged 6 to 17)
| 2025 AFNI | Annual CCB | Monthly CCB |
| $35,000 | $15,040 | $1,253.33 |
| $50,000 | $13,452 | $1,121.00 |
| $80,000 | $9,402 | $783.50 |
| $100,000 | $8,040 | $670.00 |
You can calculate your family’s exact entitlement using the CRA’s child and family benefits calculator on the official Government of Canada website.
Who Needs to File to Receive the July Increase
The CRA switches from your 2024 tax return to your 2025 tax return for all CCB calculations starting with the July 20 payment, and families who have not yet filed their 2025 return will have their payments suspended until the assessment is complete.
Both you and your spouse or common-law partner must have filed your 2025 returns for the CRA to calculate your new entitlement.
If you filed late but your return has since been assessed, your July 20 payment should reflect the updated amounts without any further action on your part.
Families who filed late and whose returns are later assessed may receive retroactive CCB payments for missed eligible months once CRA updates their entitlement.
Newcomers to Canada who arrived during 2025 should submit Form RC66 along with Schedule RC66SCH, which reports world income from the country you lived in before arriving, so the CRA can calculate your CCB entitlement.
Why Your July Payment May Differ From June
Many families assume their July payment will simply be their June amount plus the indexation increase, but that is not always the case.
The July recalculation involves two simultaneous changes: the 2% increase in maximum amounts and thresholds and the switch from 2024 income data to 2025 income data.
If your household income stayed roughly the same between 2024 and 2025, you will see a straightforward increase matching or exceeding the indexation bump.
If your income dropped in 2025 due to a job loss, reduced hours, parental leave, or any other reason, your July payment could jump significantly because the lower income places you at a more favourable point on the phase-out curve.
If your income rose substantially in 2025 through a new job, promotion, return to full-time work, or investment gains, the income-driven reduction could partially or fully offset the indexation increase, resulting in a lower payment than June.
Families in shared custody arrangements will each receive 50% of the CCB calculated at their respective income levels, and both parents should check CRA My Account after July 20 to verify their individual amounts.
CCB Payment Dates July 2026 to June 2027
The CRA issues Canada Child Benefit payments on the 20th of each month, with the date shifting to the previous Friday when the 20th falls on a weekend and the December payment arriving early for the holiday season.
All payments from July 2026 onward are calculated using your 2025 tax return data at the new indexed rates, as detailed on the CRA’s benefits calendar.
- July 20, 2026 — Monday — first payment at new indexed rates
- August 20, 2026 — Thursday
- September 18, 2026 — Friday — moved from September 20 (Sunday)
- October 20, 2026 — Tuesday
- November 20, 2026 — Friday
- December 11, 2026 — Friday — early holiday payment
- January 20, 2027 — Wednesday
- February 19, 2027 — Friday — moved from February 20 (Saturday)
- March 19, 2027 — Friday — moved from March 20 (Saturday)
- April 20, 2027 — Tuesday
- May 20, 2027 — Thursday
- June 18, 2027 — Friday — moved from June 20 (Sunday)
Direct deposit recipients will typically see funds on the morning of each scheduled date, while cheque recipients should allow five to ten additional business days.
Other CRA Benefits Also Increasing in July 2026
The CCB increase is one piece of a broader wave of federal benefit adjustments taking effect on July 1 that will affect households across the country.
The Canada Groceries and Essentials Benefit launches on July 3 with quarterly payments that are 25% higher than the GST/HST credit amounts they replace, providing up to $679 per year for single individuals.
The Canada Disability Benefit increases from $200 to $204 per month under the same 2% indexation, and the Advanced Canada Workers Benefit begins a new advance cycle with higher installment amounts on July 10.
Ontario residents will see a fresh Ontario Trillium Benefit cycle with indexed amounts starting on July 10, alongside the national benefit changes.
Canadian seniors will receive a confirmed 1.2% quarterly OAS increase, the largest single-quarter adjustment of 2026, building on the April quarterly increase that raised the pension past $743 per month.
Unlike the CCB which adjusts once annually in July, OAS pensions are reviewed every three months using CPI data, and the Canada Pension Plan is indexed separately in January each year so CPP amounts do not change in July.
Ontario families who receive multiple CRA-administered provincial and federal payments should check CRA My Account to see updated amounts reflecting the new benefit year.
Families receiving the CCB for a child eligible for the Child Disability Benefit will see that amount rise to $290 per month. Separately, eligible adults receiving the Canada Disability Benefit will see that benefit rise to about $204 per month.
The July 20 deposit is the first Canada Child Benefit payment at the new 2% indexed rates, raising the maximum to $679.75 per month for each child under six and $573.58 for each child aged six to 17.
Families who filed their 2025 tax return on time will see the higher amount automatically reflected in their July payment.
Check your CRA My Account to verify your updated entitlement and confirm your direct deposit details are current before the July 20 payment date.
Frequently Asked Questions (FAQs)
Will every family see their CCB go up in July?
The maximum benefit amounts and income thresholds are both increasing, which means families at every income level will receive a higher CCB than they would have under the old rates at the same income. However, the July payment also switches to 2025 income data, so families whose household income rose significantly between 2024 and 2025 could see a lower payment than June despite the indexation increase.
Do I need to apply or reapply for the CCB increase?
No, the CRA calculates the new amounts automatically from your assessed 2025 tax return and the published indexation rates without any separate application required.
How does the CCB interact with provincial child benefits?
Several provinces deliver their own child benefits alongside the federal CCB on the same payment date, including the Ontario Child Benefit paid through the Ontario Trillium Benefit and the Alberta Child and Family Benefit. These provincial amounts are calculated separately using provincial rules and may or may not increase at the same time as the federal CCB.
What if a child turns 6 or 18 during the benefit year?
When your child turns six, the CRA automatically switches from the under-six rate to the six-to-17 rate in the month following their birthday, reducing the monthly amount by approximately $106 at full entitlement. When your child turns 18, CCB payments stop entirely the month after their birthday, and any other federal benefits they may qualify for as an adult would require separate eligibility.
Is the Canada Child Benefit taxable?
The CCB is completely tax-free and does not need to be reported as income on your annual return. It does not affect your tax bracket, your eligibility for other deductions, or your entitlement to other CRA-administered benefits like the Canada Groceries and Essentials Benefit or the Canada Workers Benefit.
Fact-checked: All benefit amounts, indexation rates, income thresholds, phase-out percentages, and payment dates in this article are verified against official Canada Revenue Agency and Government of Canada sources as of June 19, 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Individual benefit amounts depend on personal circumstances, including income, marital status, number and age of children, and filing history. Always verify your specific entitlement through CRA My Account. Consult a qualified professional for advice on your individual situation.
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