CCB Increase 2026–2026: How Much Will You Get?

Good news for Canadian families: the Canada Child Benefit (CCB) increased again in July 2026, and another increase is coming in July 2026. If you're wondering exactly how much you'll receive — or how the increase affects your payments — this guide breaks it all down in plain language, including real dollar amounts by child age, income level, and family size.

How Much Did the CCB Increase in 2026?

Starting July 2026, the CCB increased by 2.7%, indexed to inflation based on the Consumer Price Index (CPI). This brought meaningful improvements to the maximum amounts families can receive:

These are the maximum amounts, available to families with an adjusted family net income (AFNI) of $37,487 or less based on their 2024 tax return. Payments are recalculated every July.

What About the CCB Increase in July 2026?

Another increase is scheduled for July 2026. This time, the indexation rate is 2%, slightly lower than the 2026 increase. Here are the new maximum amounts coming in July 2026:

The 2026 increase will be based on your 2026 tax return and applied automatically — no action needed on your part.

How Much Will YOU Get? It Depends on Your Income

The CCB is income-tested, meaning the more your family earns, the less you receive. The benefit is based on your Adjusted Family Net Income (AFNI) — which is your family's net income (line 23600 of your T1 return) minus any UCCB or RDSP amounts received, plus any repaid amounts.

Income Thresholds for 2026–2026

Phase-Out Rates: How the Reduction Works

For income between $37,487 and $81,222, the reduction rate depends on your number of children:

For income above $81,222, a second reduction rate applies on top of the first. For example, for a family with 2 children, the additional rate is 5.7% on income above $81,222.

Real Examples: How Much Will My Family Get?

Example 1: Family with 2 Children Over Age 6, Income of $90,000

• Maximum annual benefit: $13,496 (2 × $6,748)
• First reduction: $81,222 – $37,487 = $43,735 × 13.5% = $5,904
• Second reduction: $90,000 – $81,222 = $8,778 × 5.7% = $500
• Estimated CCB received: ~$7,091/year (~$591/month)

Example 2: Family with 3 Children Under Age 6, Income of $90,000

• Maximum annual benefit: $23,991 (3 × $7,997)
• After income-based reductions:
• Estimated CCB received: ~$14,979/year (~$1,248/month)

Example 3: Family with 1 Child Under Age 6, Income Under $37,487

• Full maximum: $7,997/year ($666.42/month)
• No reduction — income is below the threshold

Tip: Use the CRA's Child and Family Benefits Calculator at Canada.ca to get a personalized estimate based on your exact income, number of children, and family situation.

Estimated Monthly CCB by Family Income (2026–2026)

This table gives a general idea of monthly CCB amounts based on family income for common family scenarios:

Note: These are estimates. Your actual amount may differ based on your exact AFNI, ages of children, and any additional benefits (such as the Child Disability Benefit).

Child Disability Benefit (CDB): Also Increasing

If your child qualifies for the Disability Tax Credit (DTC), you may also receive the Child Disability Benefit on top of your regular CCB. This benefit is also indexed to inflation and increased along with the CCB:

The CDB begins to be reduced when family income exceeds $81,222. To qualify, the child must have an approved Form T2201 (Disability Tax Credit Certificate) on file with the CRA.

Does the Increase Happen Automatically?

Yes. You do not need to reapply or contact the CRA. The new amounts are applied automatically every July for all eligible families. The only requirement is that both you and your spouse or common-law partner file your tax returns on time each year — even if you have zero income to report. The CRA uses your previous year's return to recalculate your payments.

If you fail to file, your CCB payments will stop in August. Once you file — even late — payments restart and are paid retroactively.

How to Maximize Your CCB Payments

Since CCB is based on your adjusted family net income, there are legitimate ways to increase the benefit you receive:

• RRSP contributions: Contributing to an RRSP reduces your taxable net income (line 23600), which can increase your CCB the following year. For families close to the $37,487 or $81,222 thresholds, this can make a significant difference.
• File taxes on time: Both parents must file annually to keep payments flowing.
• Apply for the Child Disability Benefit: If your child has a qualifying disability, getting the Disability Tax Credit approved can add hundreds per month.
• Report shared custody accurately: If you share custody, each parent can apply for 50% of the benefit — make sure both parents are claiming their share.
• Update your personal information: Notify the CRA promptly of changes in marital status, custody arrangements, or children moving in or out of the home.

Frequently Asked Questions

Do I need to do anything to get the CCB increase?

No. If you are already receiving the CCB, the new amounts are applied automatically in July. Just make sure you file your taxes each year.

When does the next increase take effect?

The next increase takes effect in July 2026, with a 2% inflation adjustment. Maximum payments will rise to $8,157/year for children under 6 and $6,883/year for children aged 6–17.

My income went up last year. Will my CCB go down?

Possibly. CCB is recalculated every July based on the previous year's tax return. If your income increased in 2024, your CCB from July 2026 onward may be lower. You can use the CRA calculator to estimate the impact.

Does the CCB increase affect the Child Disability Benefit too?

Yes. The CDB is also indexed to inflation and increases alongside the CCB each July. The maximum CDB rose to $3,411/year in 2026–2026 and will reach $3,480/year in 2026–2027.

Is the CCB taxable income?

No. The Canada Child Benefit is entirely tax-free. You do not report it as income on your tax return and it will not affect other credits or deductions.

What if I have a new child — when do I start getting the new amounts?

Apply as soon as your child is born or begins living with you. Once approved, you will receive payments at the current indexed amounts for your child's age group. You only need to apply once; after that, just file your taxes annually to keep payments going.

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