Government Benefits Calculator
Calculate your CCB, CGEB (Groceries & Essentials), Climate Action Incentive, and provincial benefits all in one place. See how RRSP and FHSA contributions increase your total benefits.
Income Information
Children
RRSP & FHSA Contributions
Annual limit is 18% of prior year income or $32,490 (2026), whichever is lower. Unused room carries forward.
FHSA: $8,000/year + up to $8,000 carry-forward from unused room (max $16,000/year). First-time home buyers only.
Immigration Status
Total Annual Benefits
$0
Monthly
$0
✅ You are eligible for all benefits.
Benefits Breakdown
🦷Canadian Dental Care Plan (CDCP)CDCP Pays 100%
Retroactive Payment Estimate
You became a resident in January 2023.
Eligible Months
11
Retroactive CCB
$0
Retroactive CGEB
$0
Payment Schedule
This calculator provides estimates based on 2025-2026 benefit rates. Actual amounts may vary. For official calculations, use the CRA Child and Family Benefits Calculator or contact CRA.
Related benefit guides
Estimate the amount here, then read the eligibility and payment rules.
CGEB & GST/HST Credit 2026: Check If You Qualify Today
Eligible for Canada's grocery benefit? Payments up to $519/year, income thresholds, quarterly dates, and how RRSP contributions boost your payouts.
Canada Child Benefit (CCB) 2026-2027: Amounts & Dates
Get up to $7,787/child tax-free. CCB eligibility, income thresholds, payment schedule, RRSP optimization tricks, and how newcomers can apply right away.
Canada Dental Care Plan (CDCP) 2026: Eligibility Guide
Check if you qualify for Canada's CDCP. Covered dental services, co-payments, online application steps, orthodontics rules, and exclusions.
Other Tools
Benefits Calculator: how it works
Based on the 2026 benefit year amounts and income thresholds for federal credits published by the Canada Revenue Agency (CRA).
What this calculator does
This tool estimates the government benefits and credits your household may receive, including the Canada Child Benefit (CCB), the GST/HST credit and Canada Workers Benefit, the Canada Carbon Rebate, and certain provincial top-ups. Enter your family income, marital status, and number and ages of children to see an estimated annual and monthly total.
Who should use this
It is for families with children, lower- and middle-income households, newcomers checking which benefits they may qualify for, and anyone planning a budget who wants to know what tax-free support to expect. It also shows how an RRSP or FHSA contribution, by lowering net income, can increase income-tested benefits.
How to read your results
Most benefits are income-tested, so the amount falls as family net income rises and phases out above set thresholds. Review the per-benefit breakdown to see which credits drive your total, and note that amounts are paid out across the benefit year rather than in a single lump sum. Because reducing net income can raise these benefits, compare scenarios before deciding on registered-account contributions.
Limitations and official sources
This is an estimate for planning only and is not a determination of eligibility or payment. It cannot reflect every provincial program, shared-custody arrangement, or mid-year change in income or family status, and official amounts are calculated by the CRA from your filed return. Confirm your actual entitlement through the Canada Revenue Agency.
Official sources