Baby bonus calculator · Toronto

Baby bonus in Toronto, Ontario

Pre-set to Ontario. Adjust the kid count and household income to see the exact monthly Canada Child Benefit deposit for your Toronto family, plus Ontario Child Benefit and the new Canada Groceries and Essentials Benefit.

Median household income in Toronto: $84,000. Daycare $19/day.

How many kids?

What province?

Household income$75,000/year

Combined for both parents if both work. Just one parent's income if one's at home.

Any kids under 6?

Under-6 kids get more CCB ($8,157/yr vs $6,883/yr).

Your family gets

$840

tax-free per month

That's $10,077 tax-free per year — in your account, untouched by tax. (13% of your household income.)

The breakdown

$839.75/month — Canada Child Benefit$10,077/yr

The single-income reality check

If one parent stayed home with the kids — here's how the math changes.

Two incomes today

$5,972/mo

After tax + benefits − daycare.
Daycare for 1 kid under 6 costs about $5,016/yr in Ontario.

One parent at home

$6,229/mo

After tax + benefits. No daycare bill. Spousal tax credit kicks in (~$2,300 federal saved).

One income comes out $257/month ahead.

That's $3,080more per year in the family budget — before any quality-of-life math. The benefits don't change (same household income, same AFNI). What changes: the tax bracket walks differently for a single earner, the spousal credit appears, and daycare disappears as a line item.

Assumes 60/40 split for two-income, married couple, all kids under 6 attend daycare in the two-income scenario. Open the advanced calculator for exact numbers, RRSP impact, second-income breakeven for your specific wage.

What a typical Toronto family receives in 2026

For a 2-kid family in Toronto at the local median household income of $84,000, the math runs as follows for the 2026-27 benefit year:

Canada Child Benefit: $8,952/year ($746/month)
Total tax-free transfers: $8,952/year

That's about 11% of the median Toronto household income, delivered tax-free through direct deposit. Adjust the calculator above for your exact case.

The single-income reality check for Toronto families

For the same 2-kid family at $84,000 household income, the calculator above also runs the single-income comparison. The single-income scenario actually comes out $177/month ahead in Toronto because daycare is avoided, the spousal credit kicks in, and the household stays in a lower marginal tax bracket.

Highest cost of living in Canada outside Vancouver. Daycare $19/day under the federal CWELCC program.

Ontario child benefit on top of federal CCB

Toronto families receive Ontario Child Benefit on top of the federal CCB. It's deposited together with the CCB each month. For a typical Toronto family at median income, Ontario Child Benefit adds $0/year.

Frequently asked questions

How much baby bonus does a family in Toronto get in 2026?

A typical 2-kid family in Toronto at the local median income of $84,000 receives about $8,952/year tax-free in combined Canada Child Benefit, Ontario Child Benefit, and CGEB. That's about $746/month deposited. Lower-income Toronto families receive more; higher-income families less. Run your exact numbers in the calculator above.

Is daycare expensive in Toronto?

Daycare in Toronto costs approximately $19/day under the federal CWELCC framework as of 2026. For one kid in full-time care (260 days) that's about $4,940/year per kid. Highest cost of living in Canada outside Vancouver. Daycare $19/day under the federal CWELCC program.

Can a single-income family live in Toronto?

Yes, in most income brackets — the single-income reality check in the calculator above shows the exact math for Toronto. The single-income household keeps more CCB (because AFNI is lower), claims the spousal credit (~$3,000/year combined federal + provincial), and avoids daycare entirely. For a 2-kid family in Toronto at $84,000 household income, the single-income gap is often $177/month — closer than most parents expect.