Learn the math
Plain-English guides to Canadian child benefits
Every guide uses the 2026-27 benefit-year numbers, verified against the CRA calculator. Start with the benefit you are trying to understand, then run your own numbers in the calculator.
CGEB explained
The new Canada Groceries and Essentials Benefit that replaced the GST/HST credit in July 2026.
CGEB notice
What the CRA determination letter for the Canada Groceries and Essentials Benefit means, and what to do when it arrives.
CGEB underpayment
Why a CGEB deposit can come in lower than expected, how to check it, and how the CRA corrects it.
AFNI explained
Adjusted Family Net Income: the single figure that sets your CCB, CGEB, and provincial benefits.
CCB clawback formula
How the Canada Child Benefit phases out, tier by tier, with the 2026-27 thresholds and rates.
RRSP and CCB
Why an RRSP contribution is the most powerful lever a family has to raise its CCB.
CCB retroactive payment
How to claim up to 10 years of backdated Canada Child Benefit.
Child Disability Benefit
The CCB top-up for families raising a child with a qualifying disability.
Spousal credit
The tax credit that unlocks when one parent stays home and earns under the Basic Personal Amount.