What is the Canada Child Benefit?

The Canada Child Benefit is income assistance provided to parents who need it. The amount a family is entitled to will be based on combined income, the number of children, and the age of the children. 

According to the Canadian federal government, the CCB has distributed billions of dollars to about 3.7 million Canadian families, helping over 300,000 children out of poverty.

Eligibility depends on how many children you have, how old your children are, and how much your annual income is. Whether or not you have one child or five, there is a certain amount you can receive per child.

The amount is formulated from a basic federal amount and then a different amount is added depending on the province in which you live. See the chart below for a total breakdown. The tax benefit continues up until the child is 18 years old.

How do I apply for the child tax benefit?

When your child is born, most provinces have a birth package that includes all of the pertinent documents you’ll need for your new baby, such as birth certificate and registration. An application for the child tax credit is often included in this package. Another method is applying for it at tax time, even if you aren’t earning any income.

For more information on applying for the CCB, click here or call 1-800-387-1193.

How do I receive the child tax benefit?

Once approved, the amount is either mailed by cheque or deposited directly via direct deposit on the 20th of every month. If the 20th falls on a weekend or a holiday, the amount deposits on the last business day before. You can check the Government of Canada’s payment date website for exact release dates for the year here. The cycle of payments runs from July of one year to June of the next, based on the most recent tax season.

How much Canada Child Benefit can I receive?

The amount of child tax benefit you can receive depends on four factors:

  1. How much your income is
  2. How many children you have
  3. How old they are
  4. If any of your children are disabled 

The maximum yearly amount families can receive for children under six years of age caps at $6,639 a year, per child, for families/individuals earning under $31,120 a year. 

For children aged 6-17, families/individuals in that same income bracket can receive a maximum of $5,602 per child per year.

This child and family benefits calculator will give you a good idea of how much you can expect to receive.

How provincial and territorial child benefit and credit programs work

The chart below highlights provincial and territorial child benefit and credit programs. For the most part, you do not need to apply to a province or a territory to receive payment for any of these programs. Simply apply for the CCB, and officials will determine your eligibility for the programs below. Each provincial benefit is usually combined with your CCB into a single monthly payment. 

If you are deemed eligible, the amount of your payments will be based on: 

  • The number of dependent children you have under the age of 18 years
  • Family combined income
  • Single-parent or two-parent status

The amounts mentioned below are maximum yearly payments you may be eligible for.

Province or Territory

Program

Payment (per year)

AB

Alberta Child Benefit 

Up to $1,155 for 1st child and $577 for each additional child

Alberta Family Employment Tax Credit 

Up to $801 for one child

Up to $1,530 for two children

Up to $1967 for three children

Up to $2,113 for 4 or more children 

BC

BC Early Childhood Tax Benefit

Up to $660 per child (under the age of 6 years)

MB

Manitoba Child Benefit

Up to $420 per child.

NB

New Brunswick Working income supplement



Up to $250 per child



New Brunswick school supplement 

Up to $100 per child

NL

Newfoundland and Labrador Child Benefit 

Up to $405 for the 1st child

Up to $430 for the 2nd child

Up to $462 for the 3rd child

Up to $496 for each additional child

Mother Baby Nutrition Supplement

Up to $720 for newborn children under 12 months old.

NT

Northwest Territories Child Benefit

Children under the age of 6:

Up to $814.92 for 1 child

Up to $1467 for 2 children

Up to $1996.92 for 3 children

Up to $815 for 4 children

Up to $366.96 for each additional child

Children aged 6 to 17:

Up to $652 for 1 child

Up to $1174 for 2 children

Up to $1597 for 3 children

Up to $1956 for 4 children

Up to $292.92 for each additional child

NS

Nova Scotia Child Benefit

Up to $625 for the 1st child

Up to $825 for the 2nd child

Up to $900 for each additional child

NU

Nunavut child benefit

Up to $330 per child

Territorial Worker’s Supplement

Up to $275 for one child

Up to $350 for two or more children

ON

Ontario Child Benefit 

Up to $1,434 per child

PE

Prince Edward Island Sales Tax Credit

Up to $220 per family

QC

Quebec Family Allowance

Up to $2472 for the 1st child

Up to $1735 for the 2nd child

Up to $1735 for the 3rd child

Up to $1852 for each additional child

Single parent? Add $867 to each amount. 

SK

Saskatchewan Low-Income Tax Credit

Up to $136 per child (maximum of 2 children) or an annual credit of up to $964 per family.

YT

Yukon Child Benefit

Up to $820 per child

How can I maximize my Canada Child Benefit?

One of the best ways to increase your child tax benefit is to find ways to maximize your tax return, as the benefit amount is dependant on your income. That is, to reduce your tax burden with legitimate deductions and deferrals.

Make sure you’re receiving all of the allowable deductions for your dependents (your children) from nurseries, daycare, summer camps, private and boarding school fees, child fitness fees, medical fees not covered by health care plans, etc.

Furthermore, please ensure that you’re claiming all allowable deductions for yourself, too. Speaking with a certified accountant can help you truly maximize your tax return, so if you’ve never done that, perhaps consider it for the next tax year.

You can use your child tax benefit to get a cash advance loan

The CCB qualifies as income and many lenders will include it in your overall income calculation when you apply for a cash advance loan.

For more information on how to get a cash advance from a lender you can trust, read more, or chat with one of our consultants.