ExampleFamily income $95,000 · 2 children (ages 3 & 7) · $5,000 RRSP contribution · Ontario

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👶Canada Child BenefitOntario · 2026
Monthly: $642Annual: $7,701Children: 2
CCB Estimator
👨‍👩‍👧‍👦Family
Family Net Income (AFNI)?
$
Children (ages 0–17)
Child 1
yrs
Child 2
yrs
📈RRSP Boost Strategy
Additional RRSP Contribution?
$
Every $1,000 RRSP → lower AFNI → higher CCB + tax refund
Monthly CCB
$642
current estimate
Annual CCB
$7,701
July–June benefit year
Children
2
1 under 6
RRSP Boost
+$285/yr
from RRSP contribution
👶Per-Child Breakdown
Child 1 - age 3
Under 6 rate
$4,177/yr
$348/mo
Child 2 - age 7
Ages 6–17 rate
$3,524/yr
$294/mo
🎯RRSP Impact on CCB
Without RRSP
Annual CCB$7,701/yr
With $5,000 RRSP
Annual CCB$7,986/yr
CCB Increase+$285/yr
RRSP Tax Refund (est.)+$1,500
Combined benefit
$5,000 RRSP → $1,785 total benefit ($285 more CCB + $1,500 tax refund)
📌2026 CCB Rates
▸Under 6: up to $7,787/yr per child ($648.92/mo).
▸Ages 6–17: up to $6,570/yr per child ($547.50/mo).
▸Phase-out: benefit reduces above $36,502 AFNI. Rate depends on family size.
▸Indexed annually to CPI - amounts rise with inflation each July.
Payments are tax-free
CCB is not taxable income. It doesn't affect CPP, EI, or GIS eligibility, and doesn't need to be reported on your tax return.
CRA – Canada Child Benefit ↗
💡The RRSP → CCB Strategy▲
▸CCB is calculated on your Adjusted Family Net Income (AFNI) - your net income after RRSP deductions.
▸Every $1,000 in RRSP contributions reduces your AFNI by $1,000, potentially increasing CCB and generating a tax refund simultaneously.
▸This is one of the most powerful legal tax optimization strategies for Canadian families with children.
Double benefit on every RRSP dollar
You receive both a tax refund (at your marginal rate) AND a higher CCB from the reduced AFNI. Use the RRSP field to see the combined impact.
🔗Family Calculators▼

What's Next?

RESP & CESGTurn your CCB into education savings - $2,500/yr gets you $500 free from OttawaLife Insurance NeedsCalculate how much coverage your family needs to protect this incomeBudget PlannerInclude your $642/mo CCB in your family budgetSalary CalculatorCalculate exact RRSP tax refund and see how it boosts your CCB

Estimates based on 2026 CRA benefit amounts (indexed to CPI). Actual CCB depends on your filed tax return. Quebec families may also receive additional provincial child benefits. Not financial advice.

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About this calculator

Updated April 2026

The Canada Child Benefit (CCB) pays up to $7,787/year per child under 6 and $6,570 per child 6–17 in the 2025-26 benefit year, but phases out sharply above certain income thresholds. This calculator estimates your monthly CCB based on adjusted family net income (AFNI) and shows how RRSP contributions can increase it - sometimes worth more than the tax deduction itself.

What you can do with it

  • Estimate your monthly CCB for the upcoming July benefit year.
  • See how a $5,000 RRSP contribution boosts CCB on top of the tax refund.
  • Model the combined tax + CCB 'effective' rate of an income change.
  • Plan around the phase-out cliffs at $36,502 and higher-income thresholds.

How the math works

CCB is calculated from AFNI (line 23600 minus UCCB and RDSP income). Below $36,502 AFNI: maximum benefit. Above: reduced by 7–23% per dollar depending on number of children. The calculator applies the current year's schedule and projects monthly payment. July is the reassessment month each year based on your prior tax-year AFNI.

Canadian context - 2026

Combined marginal tax + CCB clawback + provincial benefit clawback can hit 55–65% for middle-income families with 2+ kids - which is why an RRSP contribution that lowers AFNI by $5,000 can return $3,500+ in tax refund plus CCB boost.

Frequently asked questions

How is the Canada Child Benefit (CCB) calculated?

CCB is based on adjusted family net income (AFNI) and the age and number of children. Families below the phase-out threshold receive the full benefit ($7,787/year per child under 6 and $6,570 per child 6–17 in 2025-26). Benefits phase out at 13.5–23% of income above the threshold depending on family size.

Does RRSP income reduce CCB?

RRSP contributions reduce your net income (AFNI), which can increase your CCB entitlement. An RRSP deduction that lowers AFNI below a phase-out threshold can be worth significantly more than the deduction alone when CCB recovery is factored in.

When is CCB reassessed each year?

CCB is recalculated every July based on your prior tax year's net family income. Filing taxes on time is essential to continue receiving accurate CCB payments. The CRA uses your filed income to set monthly benefit amounts for the 12-month period starting in July.

Go deeper - related guides

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