Last Updated On 16 August 2026, 8:03 AM EDT (Toronto Time)
Millions of Canadian families are about to receive their next Canada Child Benefit payment, with higher maximum amounts now in effect.
The next Canada Child Benefit payment is scheduled for Monday, July 20, 2026, and it arrives with a confirmed increase attached to it.
This deposit marks the very first payment of the brand new 2026 to 2027 benefit year, replacing the lower amounts that were in effect through the final June 19 payment.
Many eligible families could receive a higher July payment, but the actual amount may rise or fall depending on their 2025 adjusted family net income and any changes in their family circumstances.
The increase is the result of a 2% Consumer Price Index indexation that the Canada Revenue Agency applies once per year to keep pace with inflation.
Along with higher maximum payment amounts, the income thresholds that determine when reductions begin have also been raised for the new benefit year.
This means some families who saw partial reductions under the previous thresholds could now qualify for a slightly higher payment.
Below is a complete breakdown of the new CCB amounts, estimated calculation charts at every income level, and the full payment schedule from July 2026 through June 2027.
Table of Contents
What Is The Canada Child Benefit
The Canada Child Benefit is a tax-free monthly payment from the federal government that helps eligible families cover the costs of raising children under eighteen.
The CCB is available to families who live with a child under 18 and are primarily responsible for that child’s care and upbringing.
You must be a Canadian resident for tax purposes to receive CCB payments.
At least one parent must be a Canadian citizen, permanent resident, protected person, an individual registered or entitled to be registered under the Indian Act, or a temporary resident who has lived in Canada throughout the previous 18 months and holds a valid permit in the nineteenth month.
New permanent residents can apply for the CCB as soon as they arrive in Canada, and retroactive payments may be available if the application is submitted within 11 months of the child’s birth or the date of arrival.
Both you and your spouse or common-law partner must file annual income tax returns every year, even if there was no income to report, to continue receiving CRA benefit payments.
Failing to file your tax return on time can delay your July recalculation and may cause your payments to stop until the CRA has your updated income information on file.
What Changed With the July 20 CCB Payment
Three separate changes took effect simultaneously with the July 20 deposit, and each one can move your payment in a different direction.
The CRA raised the maximum annual CCB amounts under a confirmed 2% inflation indexation for the 2026 to 2027 benefit year.
The income thresholds where reductions begin have also been pushed higher, giving families a slightly wider income range before the phase-out starts.
The CRA also switched from using your 2024 tax return to your 2025 tax return for calculating your entitlement this benefit year.
This third change is the one that makes each family’s experience personal, because it depends entirely on how your household income moved between 2024 and 2025.
A family whose income dropped in 2025 could see a noticeably larger deposit, as explained in our breakdown of the CCB increase announced earlier this year.
A household that earned more in 2025 could see a smaller amount despite the rate increase.
New CCB Maximum Amounts: Before and After Comparison
| CCB Component | 2025-2026 | 2026-2027 | Increase |
| Max per child under 6 (annual) | $7,997 | $8,157 | +$160 |
| Max per child under 6 (monthly) | $666.41 | $679.75 | +$13.34 |
| Max per child 6 to 17 (annual) | $6,748 | $6,883 | +$135 |
| Max per child 6 to 17 (monthly) | $562.33 | $573.58 | +$11.25 |
| Child Disability Benefit (annual) | $3,411 | $3,480 | +$69 |
| Child Disability Benefit (monthly) | $284.25 | $290.00 | +$5.75 |
| First income threshold | $37,487 | $38,237 | +$750 |
| Second income threshold | $81,222 | $82,847 | +$1,625 |
How Family Size and Children’s Ages Determine Your Maximum CCB
The total CCB a family can receive depends on how many children are in the household and whether each child is under six or between six and 17 years of age.
Families with adjusted family net income of $38,237 or less qualify for the full maximum with no reduction applied to their benefit payments.
The following table shows the combined maximum annual and monthly CCB for common family configurations at full entitlement.
Maximum CCB by Family Size (AFNI Below $38,237)
| Family Configuration | Annual CCB | Monthly CCB | Per Day |
| 1 child under 6 | $8,157 | $679.75 | $22.35 |
| 1 child aged 6 to 17 | $6,883 | $573.58 | $18.86 |
| 2 children under 6 | $16,314 | $1,359.50 | $44.70 |
| 1 child under 6 + 1 child aged 6 to 17 | $15,040 | $1,253.33 | $41.21 |
| 2 children aged 6 to 17 | $13,766 | $1,147.17 | $37.71 |
| 3 children (2 under 6 + 1 aged 6 to 17) | $23,197 | $1,933.08 | $63.55 |
| 3 children aged 6 to 17 | $20,649 | $1,720.75 | $56.57 |
| 4 children (2 under 6 + 2 aged 6 to 17) | $30,080 | $2,506.67 | $82.41 |
How the CRA Reduces Your CCB as Income Rises
The Canada Child Benefit uses a two-tier income reduction system that gradually lowers your payment as your adjusted family net income rises above the first threshold.
The CRA generally calculates adjusted family net income by combining the net income reported on Line 23600 of both partners’ returns, subtracting applicable Universal Child Care Benefit and registered disability savings plan income, and adding back any related repayments.
If your combined AFNI for 2025 was $38,237 or less, you receive the full maximum CCB amount for each eligible child with no reduction.
Once your AFNI exceeds $38,237, your benefit enters the first phase of reduction, where a percentage of the income above that threshold is subtracted from your total entitlement.
A second phase kicks in once AFNI crosses $82,847, applying a fixed dollar reduction plus an additional percentage of income above that second CRA clawback threshold.
Phase 1 Reduction Rates (AFNI From $38,237 to $82,847)
| Number of Eligible Children | Reduction Rate |
| 1 child | 7% of AFNI above $38,237 |
| 2 children | 13.5% of AFNI above $38,237 |
| 3 children | 19% of AFNI above $38,237 |
| 4 or more children | 23% of AFNI above $38,237 |
Phase 2 Reduction Rates (AFNI Above $82,847)
| Number of Eligible Children | Fixed Amount + Rate |
| 1 child | $3,123 + 3.2% of AFNI above $82,847 |
| 2 children | $6,022 + 5.7% of AFNI above $82,847 |
| 3 children | $8,476 + 8% of AFNI above $82,847 |
| 4 or more children | $10,260 + 9.5% of AFNI above $82,847 |
The fixed amounts in Phase 2 represent the maximum reduction that was already accumulated through Phase 1, so the CRA does not stack both reductions.
Estimated CCB Calculations by Income Level
The following calculation chart uses the confirmed 2026 to 2027 rates and thresholds to show the estimated annual and monthly CCB that families with different configurations will receive at various income levels.
These figures reflect federal CCB payments only and do not include any provincial or territorial child benefit top-ups that the CRA may combine with your monthly deposit.
CCB for 1 Child Under 6 at Different Income Levels
| Family AFNI | Total Reduction | Annual CCB | Monthly CCB |
| $30,000 | $0.00 | $8,157.00 | $679.75 |
| $38,237 | $0.00 | $8,157.00 | $679.75 |
| $50,000 | $823.41 | $7,333.59 | $611.13 |
| $65,000 | $1,873.41 | $6,283.59 | $523.63 |
| $80,000 | $2,923.41 | $5,233.59 | $436.13 |
| $90,000 | $3,351.90 | $4,805.10 | $400.43 |
| $100,000 | $3,671.90 | $4,485.10 | $373.76 |
| $120,000 | $4,311.90 | $3,845.10 | $320.43 |
| $150,000 | $5,271.90 | $2,885.10 | $240.43 |
| $200,000 | $6,871.90 | $1,285.10 | $107.09 |
A family earning $50,000 with one child under six will receive $7,333.59 annually, which works out to $611.13 per month after the Phase 1 reduction is applied.
CCB for 1 Child Aged 6 to 17 at Different Income Levels
| Family AFNI | Total Reduction | Annual CCB | Monthly CCB |
| $30,000 | $0.00 | $6,883.00 | $573.58 |
| $38,237 | $0.00 | $6,883.00 | $573.58 |
| $50,000 | $823.41 | $6,059.59 | $504.97 |
| $65,000 | $1,873.41 | $5,009.59 | $417.47 |
| $80,000 | $2,923.41 | $3,959.59 | $329.97 |
| $90,000 | $3,351.90 | $3,531.10 | $294.26 |
| $100,000 | $3,671.90 | $3,211.10 | $267.59 |
| $120,000 | $4,311.90 | $2,571.10 | $214.26 |
| $150,000 | $5,271.90 | $1,611.10 | $134.26 |
| $200,000 | $6,871.90 | $11.10 | $0.93 |
CCB for 2 Children (1 Under 6 + 1 Aged 6 to 17)
| Family AFNI | Total Reduction | Annual CCB | Monthly CCB |
| $30,000 | $0.00 | $15,040.00 | $1,253.33 |
| $38,237 | $0.00 | $15,040.00 | $1,253.33 |
| $50,000 | $1,588.01 | $13,451.99 | $1,121.00 |
| $65,000 | $3,613.01 | $11,426.99 | $952.25 |
| $80,000 | $5,638.01 | $9,401.99 | $783.50 |
| $90,000 | $6,429.72 | $8,610.28 | $717.52 |
| $100,000 | $6,999.72 | $8,040.28 | $670.02 |
| $120,000 | $8,139.72 | $6,900.28 | $575.02 |
| $150,000 | $9,849.72 | $5,190.28 | $432.52 |
| $200,000 | $12,699.72 | $2,340.28 | $195.02 |
CCB for 2 Children Under 6
| Family AFNI | Total Reduction | Annual CCB | Monthly CCB |
| $30,000 | $0.00 | $16,314.00 | $1,359.50 |
| $38,237 | $0.00 | $16,314.00 | $1,359.50 |
| $50,000 | $1,588.01 | $14,725.99 | $1,227.17 |
| $65,000 | $3,613.01 | $12,700.99 | $1,058.42 |
| $80,000 | $5,638.01 | $10,675.99 | $889.67 |
| $90,000 | $6,429.72 | $9,884.28 | $823.69 |
| $100,000 | $6,999.72 | $9,314.28 | $776.19 |
| $120,000 | $8,139.72 | $8,174.28 | $681.19 |
| $150,000 | $9,849.72 | $6,464.28 | $538.69 |
| $200,000 | $12,699.72 | $3,614.28 | $301.19 |
CCB for 3 Children (2 Under 6 + 1 Aged 6 to 17)
| Family AFNI | Total Reduction | Annual CCB | Monthly CCB |
| $30,000 | $0.00 | $23,197.00 | $1,933.08 |
| $38,237 | $0.00 | $23,197.00 | $1,933.08 |
| $50,000 | $2,234.97 | $20,962.03 | $1,746.84 |
| $65,000 | $5,084.97 | $18,112.03 | $1,509.34 |
| $80,000 | $7,934.97 | $15,262.03 | $1,271.84 |
| $90,000 | $9,048.24 | $14,148.76 | $1,179.06 |
| $100,000 | $9,848.24 | $13,348.76 | $1,112.40 |
| $120,000 | $11,448.24 | $11,748.76 | $979.06 |
| $150,000 | $13,848.24 | $9,348.76 | $779.06 |
| $200,000 | $17,848.24 | $5,348.76 | $445.73 |
Worked Calculation Example
A two-parent household has one child aged four and one child aged nine, and their combined 2025 adjusted family net income was $75,000.
The maximum annual CCB for this family is $15,040, calculated as $8,157 for the child under six plus $6,883 for the child aged six to 17.
Their AFNI of $75,000 exceeds the first threshold of $38,237 but falls below the second threshold of $82,847, placing them in the Phase 1 reduction zone.
The income above the first threshold is $75,000 minus $38,237, which equals $36,763.
The CRA applies the two-child reduction rate of 13.5% to that amount: $36,763 multiplied by 0.135 equals a total reduction of $4,963.01.
The family’s annual CCB is $15,040 minus $4,963.01, which gives them $10,076.99 per year or $839.75 per month.
Under the previous benefit year, this same family would have received slightly less due to the lower maximum amounts and lower income thresholds.
Child Disability Benefit Increase for 2026 to 2027
Families caring for a child under 18 who qualifies for the Disability Tax Credit receive an additional payment called the Child Disability Benefit on top of their regular CCB.
The maximum CDB for the new benefit year has risen to $3,480 per year, which translates to $290 per month for each eligible child.
This represents an increase of $69 annually and $5.75 monthly compared to the previous benefit year maximum of $3,411.
The CDB is also tax-free and indexed to inflation using the same 2% adjustment applied to the main CCB amounts.
Families with AFNI above $82,847 will see their CDB reduced at a rate of 3.2% of income over that threshold for one disabled child and 5.7% for two or more.
CCB Payment Dates 2026–2027
The CRA issues CCB payments on the 20th of each month, with the date adjusted to the preceding business day when the 20th falls on a weekend or statutory holiday.
The following table lists every confirmed and projected CCB payment date for the full 2026 to 2027 benefit year.
- July 20, 2026 — Monday
- August 20, 2026 — Thursday
- September 18, 2026 — Friday
- October 20, 2026 — Tuesday
- November 20, 2026 — Friday
- December 11, 2026 — Friday
- January 20, 2027 — Wednesday
- February 19, 2027 — Friday
- March 19, 2027 — Friday
- April 20, 2027 — Tuesday
- May 20, 2027 — Thursday
- June 18, 2027 — Friday
The July through December 2026 dates have been officially published by the CRA, while the January through June 2027 dates are projected based on the standard payment schedule.
Families enrolled in direct deposit should expect funds to appear in their accounts on the morning of each payment date listed above.
If you receive your benefit by cheque, allow additional mailing time and wait at least five business days after the expected payment date before contacting the CRA.
Why Your July CCB Deposit May Not Match the Increase
Many families check their bank accounts in July expecting a straightforward increase but find that their payment went up by more than expected or actually decreased.
This happens because the CRA uses your 2025 tax return starting in July, replacing the 2024 return that was used for the previous benefit year.
If your household income was lower in 2025 than it was in 2024, the CRA calculates a higher entitlement, and your payment could jump significantly.
Conversely, a raise, bonus, or additional employment income in 2025 pushes your AFNI higher and can trigger a larger reduction that more than offsets the rate increase.
A change in marital status also affects AFNI because the CRA combines income from both spouses or common-law partners when calculating the benefit.
Families who separated in 2025 may see a higher CCB if their individual income is now lower than the combined household income was before.
How Life Events Can Change Your CCB Mid-Year
While the annual recalculation in July is the biggest adjustment most families experience, certain life events can trigger a mid-year CCB recalculation at any time.
The birth or adoption of a new child increases your total CCB entitlement, and you can apply through CRA My Account, by completing Form RC66, or through provincial birth registration.
A separation or new common-law partnership changes your AFNI calculation because the CRA must add or remove a second income from the formula.
If a child leaves your care, moves to another guardian’s household, or turns 18, the CRA will stop issuing CCB payments for that child starting the month after the change.
Moving to a different province does not affect the federal CCB amount itself, but it can change the provincial or territorial top-up that the CRA may bundle with your monthly deposit.
How to Apply for the Canada Child Benefit
There are three ways to apply for the CCB depending on your situation and preferred method of submission.
The fastest option is applying through the automated birth registration service offered by most provincial vital statistics offices, which forwards your information directly to the CRA.
You can also apply online through CRA My Account by navigating to the Benefits and Credits section and submitting the application with any required supporting documents.
If neither digital method is available, you can complete Form RC66, the Canada Child Benefits Application, and mail it to your local CRA tax centre with proof of the child’s birth and your residency status.
The CRA estimates that processing takes approximately eight weeks for online and birth registration applications and up to 11 weeks for applications submitted by mail.
How to Maximize Your CCB
Your assessed 2025 tax return determines your initial CCB amounts for July 2026 through June 2027, but if that return is later amended or reassessed, the CRA may recalculate your benefit payments.
However, strategic decisions you make in 2026 can directly influence your CCB payments for the following benefit year that starts in July 2027.
RRSP contributions made during 2026 or within the first 60 days of 2027 and deducted on your 2026 tax return can reduce your net income on Line 23600 and lower the adjusted family net income used for the July 2027 recalculation.
For families sitting just above the $38,237 threshold, even a modest RRSP contribution could move their AFNI below the first reduction point and unlock the full maximum CCB.
This RRSP strategy is well within CRA rules and can preserve hundreds or even thousands of dollars in annual CCB entitlement for families sitting in the reduction zones above the first threshold, as Ontario families have seen in recent benefit cycles.
The July 20 CCB payment is already on its way, but families who want to stay ahead of their benefit planning should take a few simple steps in the coming weeks.
Log into CRA My Account to confirm that your July deposit amount matches what you expected based on your 2025 income and the new rates for the 2026-2027 benefit year.
If the amount looks lower than anticipated, review your 2025 Notice of Assessment to check whether your reported AFNI was higher than you realized.
Report any changes in your household situation, including a new child, a separation, a new common-law partner, or a change in custody arrangement, to the CRA as soon as possible.
Set up direct deposit through the CRA My Account if you have not done so already, as it remains the fastest and most secure way to receive your monthly CCB payments.
The next CCB payment after July 20 is scheduled for Thursday, August 20, 2026, and all payments through December 2026 will continue reflecting the new higher rates.
Families who missed the tax filing deadline should file as soon as possible to avoid further delays to their benefit recalculation.
The Canada Child Benefit remains one of the most impactful financial supports available to Canadian families, and the July 2026 increase ensures that the purchasing power of these tax-free payments keeps pace with the rising cost of living across the country.
Frequently Asked Questions (FAQs)
u003cstrongu003eCan I receive the CCB if I have shared custody of my child?u003c/strongu003e
Yes, the CRA recognizes shared custody arrangements when the child lives with each parent between 40% and 60% of the time on a more or less equal basis. Under shared custody, each parent receives 50% of the CCB amount that would have been calculated based on their own respective household income. The CRA uses each parent’s individual adjusted family net income, including any new spouse’s or common-law partner’s income, to calculate their respective share of the benefit. If one parent has the child more than 60% of the time, the CRA considers that parent the primary caregiver and pays the full CCB to them alone. Court orders or written agreements that specify custody percentages should be shared with the CRA to ensure your payments reflect the correct arrangement.
u003cstrongu003eCan I receive retroactive CCB payments if I applied late?u003c/strongu003e
Retroactive CCB payments may be available for an earlier eligible period when you submit a late application to the CRA. When the requested period began more than 11 months before the application date, the CRA requires additional documents proving eligibility throughout the period in question. The amount and period available depend on the applicant’s circumstances, filed tax returns, and supporting evidence provided with the request. Filing your tax return every year is essential for maintaining eligibility, as the CRA requires current income data from both you and your spouse to calculate any retroactive entitlement.
u003cstrongu003eWhat happens to my CCB when my child turns 6 or turns 18 during the benefit year?u003c/strongu003e
When a child turns six during the benefit year, the CRA automatically switches their payment rate from the under-six maximum of $679.75 per month to the six-to-17 rate of $573.58 per month. This change takes effect in the month following the child’s sixth birthday, so families will notice a reduction in their monthly deposit starting that month. When a child turns 18, CCB payments for that child stop entirely in the month following their 18th birthday, and no application or notification to the CRA is required. The CRA tracks each child’s date of birth and makes these adjustments automatically based on information already in the system from your original CCB application.
u003cstrongu003eDoes receiving the CCB affect my eligibility for other government assistance programs?u003c/strongu003e
The CCB is tax-free and does not need to be reported on your income tax return, which means it is not counted as income for any federal benefit calculation. Receiving the CCB will not reduce your eligibility for other federal programs such as the Canada Groceries and Essentials Benefit, the Canada Workers Benefit, or Employment Insurance. Rules for programs administered outside the federal tax system can vary, so recipients should confirm the treatment of the CCB directly with the applicable provincial or territorial program. Families participating in any income-tested assistance program should check with their provincial government to understand how the CCB interacts with their specific benefits.
u003cstrongu003eWill my CCB amount change if I move to a different province during the benefit year?u003c/strongu003e
Your federal CCB amount will not change when you move between provinces because the payment is calculated at the federal level based on your adjusted family net income and your children’s ages. However, several provinces and territories operate their own child benefit programs that the CRA administers and includes in your monthly CCB deposit. Moving from one province to another could result in the loss of a provincial top-up you were receiving or the addition of a new one, depending on the programs available in your new province. You should update your address with the CRA through My Account as soon as you move to ensure your provincial benefit components are recalculated correctly and your payments continue without interruption.
Fact-Check: All CCB amounts, income thresholds, and reduction rates cited in this article are sourced from the CRA’s official CCB calculation sheets and benefit payment dates page for the July 2026 to June 2027 benefit year (2025 base year) and confirmed at $8,157 per child under 6 and $6,883 per child aged 6 to 17 under the 2% CPI indexation. Payment dates for 2026 are confirmed by the CRA. January to June 2027 dates are projected based on the standard 20th-of-the-month schedule and are not yet officially published. Data verified as of July 18, 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial or tax advice. Consult a licensed tax professional or the CRA directly for advice specific to your situation.
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