Canada Child Benefit (CCB) Dates, Amounts, and Application

The Canada Child Benefit is a monthly tax-free benefit available to eligible families with children who are under 18 years of age. Its name has changed over the years and it’s often still referred to by many as the “Child Tax Benefit.”

With its introduction in the 2016 Federal Budget, the Canada Child Benefit (CCB) replaced the Canada Child Tax Benefit (CCTB) and the Universal Child Tax Benefit (UCCB). It was also enhanced to provide increased benefits to low and middle-income families.

The CCB is aimed at eradicating child poverty in Canada and it is unique in that the benefits received are not considered as taxable income.

What this means is that the families that benefit from the program will not lose other income-tested benefits such as the GST/HST credit and the Guaranteed Income Supplement.

Canada Child Benefit Dates 2021

Canada Revenue Agency (CRA) will send out Canada Child Benefit payments for 2021 on the following dates:

  • January 20, 2021
  • February 19, 2021
  • March 19, 2021
  • April 20, 2021
  • May 20, 2021
  • June 18, 2021
  • July 20, 2021
  • August 20, 2021
  • September 20, 2021
  • October 20, 2021
  • November 19, 2021
  • December 13, 2021

Payments are made directly to the bank account you register with CRA.

While payments are generally made by the 20th of the month, you should wait about a week or so before contacting CRA if you haven’t yet received the benefit.

Canada Child Benefit Amount

For the July 2020 to June 2021 payment cycle, the CCB provides a maximum annual benefit of $6,765 for each child under age 6 and up to $5,708 per year for each child between the age of 6 and 17.

For the July 2021 to June 2022 payment cycle, a child under age 6 will receive a maximum annual benefit of $6,833 and for kids between age 6 and 17, the maximum benefit is $5,765.

Canada Child Benefit Dates and Application

What is the CCB?

The CCB is a tax-free benefit available to eligible families. The amount you receive is dependent on:

  • The number of children who live with you and their ages.
  • Your adjusted family net income.
  • Your child’s eligibility for the child disability benefit.
  • Your marital status.
  • Your province of residence and whether you qualify for other provincial child benefits that are administered by the CRA and combined with your CCB.

The CCB payment period runs from July to June and the amount you receive is based on your income tax return for the previous year.

For example, CCB payment amounts for July 2020 to June 2021 payment cycle are based on your family’s net income for the 2019 tax year.

Starting in July 2021, your net income in 2020 is used to calculate your CCB benefit eligibility.

To continue receiving the CCB, you and your spouse must file an income tax return every year even if you have not earned taxable income during the year.

How To Apply for the CCB

You may be eligible to apply for the CCB if you are directly responsible for a child who is a minor (under age 18) and live with them. You must also be a resident of Canada for tax purposes. The female parent is typically considered as the primary caregiver.

Automatic application for the CCB occurs when you register the birth of your child with your province.

Alternatively, you can register via CRA My Account or complete Form RC66, Canada Child Benefits Application.

Newcomers who come to Canada with kids born abroad can complete Form RC66 and mail it to the tax centre closest to them (there are centres in Winnipeg, Sudbury and Quebec).

You must provide proof of birth e.g. a birth certificate, passport, or permanent resident card, and complete the form Schedule RC66SCH, Status in Canada/Statement of Income.

It may take up to 11 weeks for your CCB application to go through.

Provincial Child Benefit Programs and the CCB

Some provincial child benefit programs are administered by the CRA and are combined with CCB payments including:

  • New Brunswick Child tax benefit
  • Newfoundland and Labrador child benefit
  • Northwest Territories child benefit
  • Nova Scotia child benefit
  • Nunavut child benefit
  • Yukon child benefit
  • BC early childhood tax benefit
  • Ontario child benefit

The Alberta Child Benefit and Alberta Family Employment tax credit are paid out separately from the CCB.

Starting in July 2020, both Alberta programs were consolidated into a new program called the Alberta Child and Family Benefit (ACFB).

Quebec offers a Family Allowance payment via Retraite Quebec.

Other child benefits available in Quebec include the Supplement for Handicapped Children Requiring Exceptional Care and Supplement for the Purchase of School Supplies.

Canada Child Benefit Calculation: How Much CCB Will You Get?

The government has a child and family benefits calculator you can use to estimate your monthly CCB payments.

For the July 2020 to June 2021 period, the following maximum benefits apply:

  • Children under 6: $6,765 or $563.75 per month
  • Children between 6 and 17: $5,708 or $475.66 per month

As your adjusted family net income (AFNI) increases, the amount of CCB you get reduces. The phase-out rate starts at $31,711.

# of eligible children
July 2020 – June 2021)
AFNI over $31,711 and up to $68,708AFNI over $68,708
1 child7.0%3.2%
2 children13.5%5.7%
3 children19.0%5.7%
4 or more children23.0%9.5%

To see how the phase-out rates work, consider the following example:

A family with a combined net income of $90,000 and 2 kids aged 2 and 3 (both under 6 years) will receive:

  • The maximum annual CCB for two children under 6 years is $13,530 (i.e. $6,765 x 2).
  • There is a 13.5% phase-out rate for income between $31,711 and $68,708: ($36,997 x 13.5%) = $4,994.595.
  • There is a 5.7% phase-out rate for income between $68,708 and $90,000: ($21,292 x 5.7%) = $1,213.644
  • The total reduction amount: ($4,994.595 + $1,213.644) = $6,208.239

Total CCB received = maximum annual CCB – reduction amount

  • Total CCB = ($13,530 – $6,208.239)
  • Total CCB received = $7,321.76 or $610.15 per month.

A family that is eligible for the CCB may also qualify for the Child Disability Benefit which provides up to $2,886 per year (or $240.50 per month) per eligible child.

For questions about your benefits, you can call CRA at 1-800-387-1193.

Here are some strategies for increasing your CCB and how to invest your kid’s RESP account.

CCB FAQs

How much is the child benefit in Canada per month?

For children under age 6, the current maximum monthly benefit is $563.75 per child. For children older than 6 through 17, the maximum monthly benefit is $475.66 per child. Families with a net income below $31,711 will receive the maximum benefit.

Is the child benefit taxable?

No, the Canada Child Benefit is a tax-free benefit and does not count towards your taxable income when you file your income tax return.

How is the CCB calculated?

How much you receive is dependent on your family’s net income for the previous year, the age and number of your children, and your province of residence.

What age does the Canada Child Benefit stop?

Child benefits stop when your child turns 18 or when your family’s net income exceeds the maximum threshold.

Do you pay back child benefits in Canada?

If the CRA pays you too much CCB, they will let you know how much was overpaid and the excess amount may be deducted from your future CCB payments, income tax refund, or GST/HST credit.

Have questions about the CCB? Leave them in the comments.

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Canada Child Benefit (CCB) Dates, Amounts, and Application
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Enoch Omololu

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch has a passion for helping others win with their personal finances and has been writing about money matters for over a decade. His writing has been featured or quoted in the Toronto Star, The Globe and Mail, MSN Money, Financial Post, Winnipeg Free Press, CPA Canada, Credit Canada, Wealthsimple, and many other personal finance publications.

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8 thoughts on “Canada Child Benefit (CCB) Dates, Amounts, and Application”

  1. A child becomes the age of 6 on 27July 2020. What maximum benefit amount ($6,765 or $5,708) will be used to calculate the CCB for July 2020.

    Reply
    • @Louis: I think it will initially be based on the $6,765 amount.

      If you read this please provide feedback on what it actually was…I am interested in how CRA does the calculation when the kid turns 6 just a few days before the new payment regime starts.

      Reply
  2. The CRA issues the benefit for children ages 0-6 until the month before the Childs birthday (ex if a child is turning 6 years old in July 2020 the rate for 0-6 will apply until June and the new rate for older than 6 through 17 will take effect in July 2020
    I hope that helps you understand better 🙂

    Reply
    • Respect.
      Can I apply for child benefit, my children were not born in Canada and I do not have PR status?
      Regards

      Reply
  3. when is the 1200 extra per child ages 6 and under for 2021 going to be paid? i thought it was suppose to be 300 quarterly but nothing has been given as of yet and it is nearing end of April 2021

    Reply
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