No cliff, just a slope
The CCB is reduced gradually: a small percentage of every dollar above $38,237 and then above $82,847. It only reaches zero when the reduction equals your maximum. That point depends on how many children you have and how old they are.
Income where the CCB reaches $0 (2026–27)
| Children | CCB ends at about |
|---|---|
| 1 under 6, 0 aged 6–17 | $240,200 |
| 0 under 6, 1 aged 6–17 | $200,300 |
| 2 under 6, 0 aged 6–17 | $263,400 |
| 1 under 6, 1 aged 6–17 | $241,100 |
| 0 under 6, 2 aged 6–17 | $218,700 |
| 0 under 6, 3 aged 6–17 | $235,000 |
| 1 under 6, 2 aged 6–17 | $250,900 |
| 0 under 6, 4 aged 6–17 | $264,700 |
Adjusted family net income for 2025, rounded to the nearest $100. Calculated with the July 2026 rates; the Child Disability Benefit has its own phase-out.
Example: one child aged 6–17 on $150,000
The maximum is $6,883. The reduction is $3,123 plus 3.2% of ($150,000 − $82,847) = $5,271.90. What is left: $1,611 a year, or $134.26 a month — still worth applying for.
Why it is worth applying even with a high income
- Your income can fall — a layoff, parental leave or a business year with losses — and the CCB adjusts automatically the following July.
- Being registered for the CCB also registers your child for many provincial benefits.
- If you separate, the benefit is recalculated on your own income only.
How to get under the line
The CCB uses net income, after deductions. RRSP and FHSA contributions, child care expenses, union dues and support payments you make all lower it. Each $1,000 of RRSP deduction above $82,847 adds $32 (one child) to $95 (four or more) of CCB the following year, on top of the tax refund.
Quick reference: getting the CCB right
- Apply early. Apply when your child is born (usually through the provincial birth registration) or when a child comes to live with you. If you apply late, the CRA can usually still pay the months you missed, but it may ask for extra documents.
- File every year. Both you and your spouse or common-law partner must file a return, even with zero income, or payments stop in July.
- Report changes. Marital status, custody, address and a child leaving your care all change the amount; tell the CRA by the end of the following month.
- Payment day. The CCB is paid monthly, usually around the 20th, by direct deposit.
- Newcomers can qualify in their first year; the CRA asks for income from outside Canada for the base year.
How the figures were checked
The maximums ($8,157 and $6,883), thresholds ($38,237 and $82,847) and reduction rates are the CRA’s figures for the benefit year July 2026 to June 2027, based on 2025 income, cross-checked with the Government of Canada’s July 2026 announcement (family with children aged 5 and 9 on $65,000: about $11,430 a year). The calculator mirrors the CRA formula; your own notice may differ slightly if a child changes age group during the year or if the CRA uses a different income figure.
Remember that your province or territory may pay its own child benefit alongside the CCB, using the same application. Those amounts are not included here.
FAQ
At what income does the CCB stop for one child?
For one child aged 6–17, at about $200,300 of adjusted family net income; for one child under 6, about $240,200.
How much CCB do I get on $150,000 with one child aged 10?
About $1,611 a year ($134.26 a month).
Is there a maximum income for the CCB?
No fixed maximum. The benefit phases out gradually and stops only when the reduction equals your maximum amount.
Sources (checked 5 November 2026): Canada Revenue Agency, “How we calculate your CCB” (July 2026 to June 2027 benefit year, based on 2025 income); Environment and Climate Change Canada news release “Minister Dabrusin highlights increased Canada Child Benefit payments for families” (July 2026: $8,157 under 6, $6,883 aged 6–17, example $11,430); MoneySense CCB 2026 guide ($38,237 threshold, CDB $3,480); WealthNorth CCB calculator (reduction table, $82,847 threshold).