Canada Child Benefit, CGEB & Workers Benefit Calculator

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.

A single parent gets the family amounts, based on their own working income: a spouse's working income, the secondary-earner exemption and a second disability supplement apply only to couples. Alberta and Nunavut use their own CWB parameters (modelled). Their disability-supplement phase-out points have not been confirmed, so the supplement starts to shrink where the basic amount runs out, the same pattern as the rest of Canada; treat those disability figures as approximate. Quebec's CWB is distinct and is not modelled, so it shows as "–" and is left out of the total and the charts.

Monthly figure

The monthly figure in the result is the CCB (paid monthly) plus the CGEB (paid quarterly in July, October, January and April), averaged over 12 months. The CWB is not a monthly payment: you claim it on your tax return, and up to half can arrive early as advance payments.

How the charts are built

Benefits at other incomes re-runs the same CCB, CGEB and CWB formulas at family incomes from $0 to $149,000, or further when needed to reach about 1.5 times your income, in $1,000 steps (wider steps over a wider range). Each change in income is assumed to be earned: working income moves dollar for dollar with family income, split between you and your spouse in today's proportions and never below $0, so the Workers Benefit phases in and out as it would. Children, province and any other income stay as entered.

Clawback rate is (benefits at income x − benefits at x + one step) ÷ one step, as a percentage. It counts the benefit income tests only: income tax, CPP and EI come on top, and provincial programs are not included. Below zero means benefits grow as you earn (the Workers Benefit phase-in, or a single person's CGEB supplement). The RRSP figure re-runs the formulas with family net income $1,000 lower and working income unchanged, because a deduction lowers net income but not earnings. The steepest stretch quoted above the chart is always found on $1,000 steps, even when the chart itself uses wider ones.

Each program's maximum is the per-child maximums for the CCB; the base amounts plus, for a single person, the full single supplement for the CGEB; and the basic maximum plus one disability supplement for each person who qualifies for the Disability Tax Credit for the CWB. "Reduced by income test" is what the income test takes off that maximum at your family income. "Not yet phased in" is the rest of the gap: what you would also get at this family income once the benefit is fully phased in. The Workers Benefit phases in with working income and a single person's CGEB supplement with net income; when the income test alone would take the whole benefit, all of it shows as reduced.

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.