Canada Child Benefit, CGEB & Workers Benefit Calculator
Estimate the three big federal, income-tested benefits in one place: the Canada Child Benefit (CCB), the newly renamed Canada Groceries and Essentials Benefit (CGEB, formerly the GST/HST credit), and the Canada Workers Benefit (CWB). Enter your family income and household details to see the annual and monthly totals for the July 2026–June 2027 period.
Benefits by program
Estimated annual federal entitlement by program.
Annual breakdown
Each program's estimated annual amount and how it is paid out.
| Benefit | Annual | Cadence |
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How this is calculated
Canada Child Benefit (CCB)
The maximum is $8,157 per child under 6 and $6,883 per child aged 6–17 for the July 2026–June 2027 benefit year (2025 base year). If adjusted family net income (AFNI) is $38,237 or less you get the full amount. Between $38,237 and $82,847 the benefit is reduced by 7% (1 child), 13.5% (2), 19% (3) or 23% (4+) of income over the first threshold. Above $82,847 a fixed amount plus 3.2%/5.7%/8%/9.5% of income over the second threshold applies. This reproduces CRA's own worked examples to the cent. Source: CRA — CCB: How much you can get.
Canada Groceries and Essentials Benefit (CGEB, formerly GST/HST credit)
Base amounts: $445 for the adult, another $445 for a spouse or common-law partner, and $234 per child under 19. A single parent's first child counts as $445 instead of $234. A single individual without a spouse or child phases in an extra supplement up to $234 at 2% of income over $11,564; single parents get the full supplement immediately. The total is then reduced by 5% of AFNI over $46,432 and paid quarterly. Source: CRA — CGEB: Payment amounts. The 2% phase-in and 5% phase-out rates are reproduced from CRA's own payments chart (long-standing ITA s.122.5 rates), not stated verbatim on the page.
Canada Workers Benefit (CWB), 2025 tax year
The basic amount phases in at 27% of working income over $3,000, up to $1,633 (single) or $2,813 (family), then reduces by 15% of AFNI over $26,855 (single) or $30,639 (family), reaching zero at $37,742 / $49,393. The secondary-earner exemption excludes the lower-earning spouse's working income up to $16,386 from the AFNI used for the phase-out. A disability supplement up to $843 is added for each person who qualifies for the Disability Tax Credit. Sources: CRA — CWB: How much you can get and taxtips.ca — CWB 2025.
Alberta and Nunavut use their own CWB parameters (modelled), though their disability-supplement phase-out points are approximate. Quebec's CWB is distinct and is not modelled — it shows as "—".
What this does not model
Provincial and territorial top-ups bundled into CCB and CGEB deposits (Ontario Child Benefit, BC Family Benefit, provincial GST-type credits, and so on), Quebec's Family Allowance and Workers Benefit, shared-custody 50/50 splits (this tool assumes 100% custody), part-year residency and newcomer rules, and the split between annual entitlement and specific advance-payment deposits (the CWB advance is 50% via ACWB). See also the income tax and RESP & CESG tools.
Common questions
What is the Canada Groceries and Essentials Benefit (CGEB)?
The Canada Groceries and Essentials Benefit is the new name for what used to be the GST/HST credit. Effective the July 2026 payment period, CRA renamed the credit and raised the amounts by roughly 25% — the single base amount rose from about $349 to $445, the per-child amount from $184 to $234, and the single and couple maximums to about $679 and $890. It is still an income-tested, tax-free amount paid quarterly (July, October, January, April).
How much Canada Child Benefit will I get in 2026?
For the July 2026 to June 2027 benefit year the maximum CCB is $8,157 per year for each child under 6 and $6,883 per year for each child aged 6 to 17. The full amount is paid when adjusted family net income (AFNI) is $38,237 or less; above that it is reduced on a two-band schedule whose rates depend on how many children you have. This tool applies CRA's exact reduction formula.
Do these amounts include my province's child or sales-tax credits?
No. This is a federal-only estimate. In most provinces your actual CCB and CGEB deposits are larger because CRA bundles in provincial and territorial programs — for example the Ontario Child Benefit, the BC Family Benefit, and provincial GST-type credits — that this tool does not model. Treat the result as a floor and confirm your real amount with CRA.
Who qualifies for the Canada Workers Benefit?
The Canada Workers Benefit is a refundable tax credit for lower-income workers. You generally need working income above $3,000 and family net income below the phase-out ceiling (about $37,742 for a single individual and $49,393 for a family in most provinces for the 2025 tax year). A disability supplement is available if you qualify for the Disability Tax Credit, and a secondary-earner exemption protects couples from losing the benefit too quickly. Alberta, Nunavut and Quebec use different parameters.