Government Benefits Calculator
Calculate your CCB, CGEB (Groceries & Essentials), Canadian Dental Care Plan coverage, and provincial benefits all in one place. See how RRSP and FHSA contributions increase your total benefits.
Income Information
Children
RRSP & FHSA Contributions
New 2026 RRSP room is generally 18% of 2025 earned income, up to $33,810, minus any pension adjustment. Unused room carries forward; check your CRA notice of assessment.
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
$1
Monthly
$0
✅ Your immigration status meets the status requirement for these benefits. Each benefit also has its own income and residency conditions.
Benefits Breakdown
🦷Canadian Dental Care Plan (CDCP)Meets income threshold
0% co-payment (provider fees may apply)
⚠️ One of four requirements: no access to private dental insurance
→ Full CDCP guideRetroactive Payment Estimate
You became a resident in January 2023.
Eligible Months
11
Retroactive CCB
$0
Retroactive CGEB
$1
Payment Schedule
CGEB (Groceries & Essentials)
Quarterly, around Jan 5, Apr 5, Jul 5, Oct 5
Formerly GST/HST Credit. Replaced by CGEB starting July 2026.
$0/quarter
This calculator provides estimates based on the July 2026 to June 2027 benefit year amounts published by the Canada Revenue Agency (CRA). Actual amounts may vary. For official calculations, use the CRA Child and Family Benefits Calculator or contact the 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 July 2026 to June 2027 benefit year amounts and income thresholds published by the Canada Revenue Agency (CRA) and other responsible federal and provincial bodies.
What this calculator does
This tool estimates the government benefits and credits your household may receive, including the Canada Child Benefit (CCB), the Canada Groceries and Essentials Benefit (CGEB, formerly the GST/HST credit), Canadian Dental Care Plan coverage, 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. Confirm each entitlement with the CRA or the government agency responsible for that program.
The Canada Carbon Rebate (formerly the Climate Action Incentive) has ended. Its final quarterly payment was issued in April 2025, so it is not included in this calculator.
Official sources