Free tool · Canada 2025-26

Canada Family Benefits Estimator

Estimate the Canada Child Benefit, GST/HST credit and Canada Workers Benefit you could receive. These are the tax-free benefits newcomers most often leave on the table — file your return to claim them.

Who's in your household?

How is your income earned?

ProvinceAdds your province's child benefit and credits.

Your yearly income (before tax)I have a disability (Disability Tax Credit)

Your partner's yearly incomeMy partner has a disability

How many children?

Under 6Aged 6 to 17

Any child with a disability

Yearly rent paidProperty tax paidFor the Ontario Energy & Property Tax Credit (renters and owners).I live in Northern Ontario (adds the Northern Ontario Energy Credit)

Other income (optional)Investments, pension, etc. Adds to your income but isn't “working income” for the CWB.Deductions (optional)RRSP contributions, union dues, child care — these lower your net income and increase benefits.

Net income used for benefits: $45,000/yr

You'd also pay ≈ $3,207 in CPP + EI — but those are tax credits, not deductions, so they don't change your benefits.

You could receive about

$1,524/month

≈ $18,289 per year, tax-free

Benefit	Per month	Per year
Child Benefit (CCB) Federal, for your children	$1,144	$13,731
Groceries & Essentials Benefit (CGEB) Federal — formerly the GST/HST credit	$89	$1,066
Workers Benefit (CWB) Federal, lower-income workers	$39	$464
Ontario Child Benefit Provincial / optional	$164	$1,963
Ontario Sales Tax Credit Provincial / optional	$89	$1,065

Estimate for the 2025-26 benefit year, using your income as a stand-in for adjusted family net income. Ontario Child Benefit and the Child Disability Benefit are modelled precisely; BC and Alberta amounts are approximations. Excludes shared-custody adjustments. You must file your tax return to receive these. Not financial advice.

You must file to receive them

These benefits are tax-free but income-tested — the CRA calculates them from your (and your spouse's) filed tax returns each year. New to Canada? File as soon as you're eligible so payments start.

What is AFNI?

Adjusted family net income is the combined net income (line 23600) of you and your spouse. Lower income means larger benefits.

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