The Canada Child Benefit (CCB) is a tax-free monthly payment designed to help Canadian families with children under 18 years old. In 2025, the program introduces higher benefit amounts to address inflation, providing even greater financial relief.
Families can receive up to $7,787 per child under 6 and $6,570 per child aged 6 to 17. This guide covers the updated benefits, eligibility, and how to apply.
Overview of the Canada Child Benefit
| Feature | Details |
|---|---|
| Eligibility | Canadian residents with children under 18 |
| Maximum Annual Amounts | $7,787 (under 6), $6,570 (6–17) |
| Additional Disability Support | Up to $3,322 per eligible child |
| Income Threshold for Full Benefit | $36,502 |
| Tax Implication | Tax-free |
| Application Methods | Online, by mail, or automatic registration |
Updated Benefit Amounts for 2025
The CCB for the benefit year July 2024 – June 2025 offers increased payouts indexed to inflation.
| Child’s Age | Maximum Annual Amount | Monthly Amount |
|---|---|---|
| Under 6 | $7,787 | $648.91 |
| 6 to 17 | $6,570 | $547.50 |
| Disability Support (Additional) | $3,322 | $276.83 |
Example Calculation
A family with a 3-year-old child and a 10-year-old child earning $50,000 annually might receive:
- $6,500 for the 3-year-old.
- $5,000 for the 10-year-old.
- Total: $11,500 annually.
Eligibility Requirements
To qualify for the CCB, families must meet the following conditions:
- Residency
- Parents and children must reside in Canada.
- Primary Caregiver
- The parent applying must be primarily responsible for the child’s upbringing, including day-to-day care and education.
- Income
- Benefits are calculated based on Adjusted Family Net Income (AFNI).
- Families earning below $36,502 qualify for the full benefit, with incremental reductions as income increases.
- Disability Tax Credit (DTC)
- Children qualifying for the DTC are eligible for the additional disability support.
Application Process
- Online via CRA My Account
- Log in or register at CRA My Account.
- Select Apply for Child Benefits and follow the prompts.
- Mail Application
- Download and complete Form RC66 from the CRA website.
- Mail it along with supporting documents like proof of residency and custody arrangements.
- Automatic Enrollment
- New parents may be automatically registered for the CCB when registering their child’s birth with their province or territory.
Additional Supports and Related Benefits
- Provincial Child Benefits
- Ontario Child Benefit (OCB): Additional support for low-income families.
- Alberta Child and Family Benefit (ACFB): Up to $2,317 annually for eligible families.
- Child Disability Benefit (CDB)
- Provides up to $3,322 annually for children with disabilities.
- GST/HST Credit
- Many families eligible for the CCB also qualify for this quarterly tax credit.
Real-Life Impact of the CCB
The Johnson family, earning $40,000 annually with two children (ages 4 and 9), receives:
- $6,500 for their 4-year-old.
- $5,000 for their 9-year-old.
- Total CCB: $11,500 annually.
This allows them to cover daycare costs, extracurricular activities, and essentials without financial stress.
Tips for Maximizing CCB Benefits
- File Taxes Annually
- Both parents must file taxes yearly, even with no income, to maintain eligibility.
- Sign Up for Direct Deposit
- Receive payments faster and avoid mail delays.
- Apply for Disability Tax Credit (DTC)
- If applicable, this can add over $3,300 annually per child.
- Update Information Promptly
- Report changes in income, marital status, or custody arrangements to avoid delays or overpayments.
CCB vs. Other Benefits
| Benefit | Type | Tax Status |
|---|---|---|
| Canada Child Benefit | Federal | Tax-Free |
| GST/HST Credit | Federal | Tax-Free |
| Provincial Benefits | Provincial | Varies |
The CCB remains the largest federal program dedicated to supporting families with children under 18.
The Canada Child Benefit 2025 continues to be a crucial financial lifeline for Canadian families. With higher payouts indexed to inflation and additional disability support, the program ensures families can meet their children’s needs. By applying early and keeping your information updated, you can maximize the benefits and provide better opportunities for your children.
