Raising kids in Canada comes with unique financial challenges, but the Canada Child Benefit (CCB) is here to help. Administered by the Canada Revenue Agency (CRA), these tax-free monthly payments are a lifeline for families, offering up to $648 per child each month.
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Did you know that depending on where you live, you could get up to $300 extra per month in provincial or territorial top-ups? Let’s dive into the details, explore which provinces and territories offer additional benefits, and see how you can make the most of these payments in 2025.
What is the Canada Child Benefit (CCB)?
The CCB is a federal program designed to assist Canadian families with the costs of raising children. It’s based on your family’s adjusted net income, and the payments are:
- Tax-free: You don’t need to report it as income.
- Monthly: Payments are deposited directly into your account.
- Automatically adjusted: When you file your tax return, the CRA determines your eligibility and payment amounts.
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What Are Provincial and Territorial Top-Ups?
In addition to the federal CCB, several provinces and territories provide extra payments to help families manage their finances. These top-ups are automatically added to your CCB if you qualify, meaning you don’t need to apply separately.
Here’s how much extra you could get in 2025 based on where you live:
1. British Columbia: BC Family Benefit (BCFB)
- Extra Amounts:
- $182.33/month for the first child.
- $114.58/month for the second child.
- $93.75/month for each additional child.
- Single parents receive an extra $41.66/month.
- Eligibility: The benefit decreases if your adjusted family net income exceeds $35,902 and phases out entirely at $114,887.
2. New Brunswick: NB Child Tax Benefit (NBCTB)
- Monthly Top-Up: $20.83 per child.
- Additional Support:
- NB Working Income Supplement: $20.83/month for families with earned income over $3,750.
- NB School Supplement: A yearly bonus for back-to-school costs. In 2024, it was $100 per child aged 5–17.
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3. Newfoundland & Labrador: NL Child Benefit
- Extra Amounts:
- $152.16/month for the first child.
- $161.33/month for the second child.
- $173.25/month for the third child.
- $186.16/month for additional children.
- Early Childhood Nutrition Supplement (ECNS): Provides an additional $150/month for children under 5.
4. Northwest Territories: NWT Child Benefit
- Kids Under 6: $67.91/month for the first child, decreasing for additional children.
- Kids Aged 6–17: $54.33/month for the first child, decreasing for additional children.
- Eligibility: Payments phase out if your family net income exceeds $30,000 and stop at $80,000.
5. Nova Scotia: NS Child Benefit (NSCB)
- Monthly Top-Up: $127.08 per child under 18.
- Eligibility: Payments reduce if your family income is between $26,000–$34,000.
6. Nunavut: NU Child Benefit (NUCB)
- Monthly Payments: $29 per child under 18.
- Workers’ Supplement:
- $24.16/month for one child.
- $30.75/month for two or more children.
7. Ontario: Ontario Child Benefit (OCB)
- Extra Amount: $140/month per child under 18.
- Eligibility: Payments phase out for families earning more than $25,646.
8. Prince Edward Island: PEI Child Benefit (PEICB)
- Starting January 2025:
- $30/month per child for families earning less than $45,000.
- $20/month per child for families earning $45,000–$80,000.
9. Yukon: Yukon Child Benefit (YCB)
- Monthly Payments: $76.50 per child under 18.
- Eligibility: Payments reduce for families earning more than $35,000.
Which Provinces Don’t Offer CCB Add-Ons?
Families in Alberta, Manitoba, Quebec, and Saskatchewan only receive the federal portion of the CCB because these provinces administer their own child and family benefits.
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How to Maximize Your CCB Payments in 2025
1. File Your Taxes on Time
Your eligibility for the CCB and provincial top-ups depends on your 2023 tax return. Ensure you file on time to avoid delays.
2. Use the CRA’s Benefits Calculator
The CRA child and family benefits calculator helps estimate your CCB and any provincial add-ons based on your family’s income.
3. Monitor Income Changes
If your family’s income changes, inform the CRA to ensure your payments are adjusted accordingly.
4. Combine Benefits with a Financial Plan
Use CCB payments strategically by putting them toward essential expenses, child education savings, or tax-free savings accounts (TFSAs).
Final Thoughts: Make the Most of Provincial CCB Add-Ons in 2025
The Canada Child Benefit is already a significant source of support for Canadian families, but provincial and territorial top-ups can make a big difference. Whether you’re in British Columbia, Nova Scotia, or Yukon, these extra payments can help cover child care, groceries, or other expenses.
Don’t miss out! Check your eligibility, stay informed, and take advantage of these benefits to give your family the financial boost it deserves.
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