Raising kids is rewarding but expensive, and that’s where the Canada Child Benefit (CCB) steps in.
This tax-free monthly payment supports Canadian families with children under 18, offering financial relief to help cover the costs of raising kids.
In 2025, inflation-adjusted benefits provide even more substantial support. Let’s dive into the details.
Canada Child Benefit
| Feature | Details |
|---|---|
| Eligibility | Canadian residents with children under 18, meeting residency and income criteria |
| Maximum Annual Amounts | $7,787 for children under 6; $6,570 for children aged 6–17 |
| Additional Disability Support | Up to $3,322 for children with disabilities |
| Income Threshold for Full Benefits | $36,502 or less annually |
| Application Methods | Online via CRA My Account; by mail with Form RC66 |
| Official Resource | Canada Child Benefit |
The CCB is a vital financial tool for Canadian families, particularly low- and middle-income households, ensuring access to basic necessities and reducing child poverty.
Benefit Amounts for 2025
Base Amounts
For the benefit year spanning July 2024 to June 2025, eligible families receive:
- Children under 6 years: Up to $7,787 annually ($648.91/month)
- Children aged 6–17 years: Up to $6,570 annually ($547.50/month)
Child Disability Benefit
If your child qualifies for the Disability Tax Credit (DTC), you can receive an extra $3,322 annually. This support helps families manage additional care expenses.
Sliding Scale Based on Income
The benefit amount decreases as your Adjusted Family Net Income (AFNI) increases:
- Full Benefits: Families earning $36,502 or less annually.
- Reduced Benefits: For incomes above $36,502, benefits are incrementally reduced.
Example Calculation:
- A family earning $40,000 annually with one child under 6 might receive $6,500 instead of the full $7,787.
- A family earning $80,000 would receive less based on CRA’s formula.
Eligibility
To qualify for the CCB, you must meet these criteria:
- Primary Caregiver: You are the person primarily responsible for raising the child.
- Residency: You must reside in Canada and meet immigration or citizenship requirements.
- Income Reporting: Both parents must file income tax returns annually.
How to Apply
Online Application
- Log in or register for CRA My Account.
- Select “Apply for Child Benefits.”
- Complete and submit the application.
Mail Application
- Download and fill out Form RC66 from the CRA website.
- Attach required documents, like proof of immigration status.
- Mail the application to the CRA.
Automatic Enrollment
In some provinces, registering your child’s birth automatically enrolls you in the CCB program. Check with your provincial registry for details.
Real-Life Example: How CCB Helps Families
The Johnson Family’s Story:
Maria and Alex Johnson have two children, aged 4 and 9, with a combined income of $50,000. In 2025, they’ll receive:
- $6,500 for their 4-year-old.
- $5,000 for their 9-year-old.
Total: $11,500 annually.
This money helps them cover childcare, school supplies, and extracurricular costs, reducing their financial burden and enabling better opportunities for their kids.
CCB and Other Benefits
Federal and Provincial Programs
In addition to the CCB, many provinces offer complementary benefits:
- Ontario Child Benefit (OCB): For families earning under $22,504 annually.
- Alberta Child and Family Benefit (ACFB): Up to $2,317 annually per family.
Visit your provincial government’s website for more information.
GST/HST Credit
If you qualify for the CCB, you may also be eligible for the GST/HST Credit, another federal program providing financial relief.
Tips for Maximizing Your CCB
- File Taxes on Time: Both parents must file annual tax returns, even if they have no income.
- Sign Up for Direct Deposit: Payments arrive faster and avoid delays.
- Apply for the DTC: If eligible, this adds significant financial support.
- Update CRA on Changes: Report changes in custody, marital status, or residency promptly to avoid disruptions in payments.
- Explore Additional Benefits: Check programs like RESP grants and childcare subsidies to supplement your CCB.
Resources for Families
The CCB is just one part of Canada’s family support system. Additional resources include:
- Canada Education Savings Grant (CESG): Government contributions to RESPs.
- Childcare Subsidies: Offered in most provinces for low-income families.
- Food Assistance Programs: Local food banks and initiatives combat food insecurity.
Visit the Government of Canada Benefits page for a complete list of available supports.
