Which income year determines benefits from July 2026 to June 2027?

The Canada Revenue Agency uses adjusted family net income from the 2025 tax year for the July 2026 to June 2027 benefit period.

What replaced the GST/HST credit in July 2026?

The Canada Groceries and Essentials Benefit replaced the GST/HST credit in July 2026. It keeps the same eligibility and payment structure and is paid quarterly.

Does this estimator include every Canadian benefit?

No. It calculates programmes with complete published formulas and identifies other programmes to check. Work, housing, caregiving, education, disability, veteran and local benefits can require more information.

Do both partners need to file a tax return to receive family benefits?

For income-tested CRA family benefits, both partners generally need to file the required tax return each year, even when one partner had no income.

Your benefits, on one household map

A child turning six, a move to another province, or one line on a tax return can change more than one payment. Put the household facts in once and see which 2026–27 formulas connect.

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2025 income · 2026–27 payments

The short answer

Payments from July 2026 to June 2027 usually use your household's 2025 adjusted family net income. This tool calculates CCB, the Child Disability Benefit, the Canada Groceries and Essentials Benefit, and selected provincial credits whose full formulas are published.

Base tax year 2025 Payments Jul 2026–Jun 2027

Your household

Province or territory used to find programmes administered with CRA payments

Marital status CRA combines spouses' or common-law partners' net incomes

2025 adjusted family net income usually line 23600 for both adults, with CRA adjustments

Required 2025 returns filed? both partners generally file, even when one had no income

Children in your care

Use each child's age for the month you are checking. The result annualizes that one-month snapshot; CCB changes after a child turns six or eighteen.

Children under 6

Children age 6 to 17

Children age 18 included for CGEB, outside CCB

Custody for the children above CRA generally pays each shared-custody parent 50% of their calculated child amount

Children approved for the DTC the CRA must have approved the Disability Tax Credit certificate

Other benefit checks

Adults age 18–64 approved for the DTC used to flag the Canada Disability Benefit

Any adult age 65 or older? used to flag OAS, GIS and senior programmes

Calculated annual benefits

$12,221

about $1,018.41 a month when the different payment schedules are averaged

Estimated annual benefits in the calculated total are $12,221. The estimate uses the 2025 tax-return base year.

Canada Child Benefit

Usually paid monthly. Based on 2 children under 18.

$11,427/yr

Canada Groceries and Essentials Benefit

Paid quarterly, or as one July payment when the quarterly amount is under $50.

$430/yr

Ontario sales tax credit

As part of the Ontario trillium benefit.

Source

$364/yr

Programmes to check next

Ontario child benefitA monthly child benefit may apply in addition to the estimated sales tax credit. It is kept out of the total because the cited summary does not publish the complete reduction formula.Official page
Canada Benefits FinderCheck programmes tied to work, housing, caregiving, education and other facts this calculator does not ask for.Open finder

This is an annualized estimate at the ages entered, not an eligibility decision or a month-by-month birthday projection. Your values stay in this browser and are saved on this device. Read the disclaimer.

A worked Ontario family example

A married or common-law Ontario household has one child under six, one child age six to seventeen, and $65,000 of adjusted family net income for 2025. No child or adult has a Disability Tax Credit approval, and the children live primarily with this household.

Canada Child Benefit$11,427 a year

Canada Groceries and Essentials Benefit$430 a year

Ontario sales tax credit$364 a year

Calculated total$12,221 a year

The CCB portion lines up with the federal government's published example of approximately $11,430 for the same ages and income. The few-dollar difference is rounding: this tool keeps the formula's cents until the final display.

What the total includes

The number in the forest panel is deliberately narrow. A benefit joins that total only when a current government page publishes the amount, thresholds, reduction rates and benefit period needed to reproduce it.

Calculated here

Canada Child Benefit
Child Disability Benefit
Canada Groceries and Essentials Benefit, formerly the GST/HST credit
New Brunswick HST credit, Nova Scotia affordable living tax credit, Ontario sales tax credit, or PEI child benefit when the selected province applies

Sent to the deciding authority

Canada Disability Benefit and OAS/GIS
Provincial programmes whose public summary gives only a maximum or partial-income range
Benefits tied to rent, property tax, work history, study, caregiving, immigration status or military service

The government pages behind the math

Rates and thresholds were checked on August 23, 2026. The payment period is July 2026 to June 2027 and the base tax year is 2025.

CRA: Canada Child Benefit amounts and reductions$8,157 under age six; $6,883 age six to seventeen; income bands and reduction rates.
CRA: Canada Child Benefit guideChild Disability Benefit and CRA-administered provincial and territorial child programmes.
CRA: Canada Groceries and Essentials Benefit amounts2025 base-year amounts, phase-in threshold and phase-out threshold.
CRA: CGEB 2026–27 payment chartAnnual entitlements by family status, number of children and adjusted family net income.
Service Canada: Canada Disability Benefit amountsCurrent maximum, payment period and working-income exemptions.
CRA: official child and family benefits calculatorUse this for CRA's final estimate and regional programmes that need more inputs.

Questions people usually have

What is adjusted family net income?

Start with line 23600 from your tax return and your spouse's or common-law partner's return, when applicable. CRA then subtracts certain Universal Child Care Benefit and RDSP income and adds back related repayments. Use the figure on your benefit notice when you have it.

Why did the GST/HST credit name change?

The Canada Groceries and Essentials Benefit replaced the GST/HST credit in July 2026. The CRA says its eligibility, calculation and quarterly structure stay the same; the 2026–27 amounts are higher.

Why is a possible programme missing from the total?

Some government summaries publish a maximum and an income range without the complete reduction formula. Those programmes appear under “Programmes to check next” and stay outside the calculated total.

What happens with shared custody?

CRA generally pays each shared-custody parent 50% of the amount they would have received if the child lived with them full time, calculated using that parent's own adjusted family net income. Mixed custody across several children belongs in the official CRA calculator.

Does filing a tax return matter when there was no income?

Yes. CRA uses tax returns to calculate income-tested benefits. Both spouses or common-law partners generally file every year, including a return for an adult who had no income.

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