Pick your income bracket
Baby bonus at $40,000 household income
Below or near the CCB Tier 1 threshold of $38,237 — most kids qualify for close to the maximum CCB.
Baby bonus at $60,000 household income
Solidly in the CCB Tier 1 phase-out range with meaningful per-kid recovery from the RRSP lever.
Baby bonus at $80,000 household income
The most common household income band in Canada. CCB Tier 1 phase-out applies with the highest per-RRSP-dollar recovery.
Baby bonus at $100,000 household income
Just into CCB Tier 2 ($82,847 threshold). Per-kid CCB drops but is still substantial.
Baby bonus at $125,000 household income
CCB Tier 2 phase-out applies. CGEB fully phased out for most family sizes.
Baby bonus at $150,000 household income
Deep in CCB Tier 2 phase-out. Per-kid CCB roughly half the maximum. RRSP still gives a meaningful CCB recovery at high marginal tax brackets.