The Canada Child Benefit (CCB) is Canada's most generous family benefit — and in 2026, Ontario families can receive up to ,000/year tax-free for two young children. Combined with the Ontario Child Benefit (OCB), the total can be even higher.
2026 CCB Amounts (July 2026 – June 2027)
How Income Affects Your CCB
The CCB starts reducing once your adjusted family net income (AFNI) exceeds $38,237:
| Income Range | Reduction Rate (1 child) | Reduction Rate (2 children) |
|---|---|---|
| Up to $38,237 | Full benefit | Full benefit |
| $38,237 – $82,847 | 7% | 13.5% |
| Over $82,847 | 3.2% | 5.7% |
Ontario Child Benefit (OCB) — Bonus for ON Families
Ontario residents also receive the OCB alongside the CCB. The 2026 OCB provides up to .66/month per child (under 18), with a full benefit below $26,865 AFNI, reducing by 8 cents per dollar above that threshold.
Tips to Maximize CCB
- File taxes on time — CCB is calculated from prior-year returns. Late filing delays or stops payments
- RRSP contributions reduce your AFNI, potentially increasing your CCB
- Pension income splitting can lower the higher-earning spouse's AFNI
- The CDB adds $3,480/year per disabled child — apply at the CRA if eligible
Is the CCB taxable income in Ontario?
No. The Canada Child Benefit is completely tax-free and does not need to be reported on your Ontario or federal income tax return. It does not affect your income for RRSP purposes, OAS clawback, or other income-tested benefits.