Your family & situation
Your Family
Your Income
Your Housing
Your Situation
Your Income
$
Your household's combined net income. Find it on line 23600 of your tax return.
If you haven't filed yet, use your estimated income since arriving.
If you have no income yet, enter $0 — you may still qualify for significant benefits.
Needed to qualify for the Canada Workers Benefit.
Your Housing
For the Ontario Energy & Property Tax Credit portion of OTB.
$
Your Situation
🍁 Ontario (more provinces coming soon)
✓ With $0 income, you receive the maximum benefit for every program — no phase-outs apply.
Many newcomers in their first months qualify for the full amounts shown below. These numbers are real.
You haven't filed a Canadian tax return yet — that's normal for newcomers
- You can apply for the Canada Child Benefit now — no tax return needed to start. Use Form RC66 + RC66SCH (newcomer supplement).
- These estimates use your income since arrival. Your actual benefits will be calculated when you file your first return.
- File your tax return as soon as possible — even if you have $0 income. This unlocks Crédit pour la TPS/TVH, Ontario Trillium Benefit, and other programs.
- You can request retroactive CCB payments going back up to 10 years if you missed them.
Months remaining in benefit year
—
Estimated benefits for remainder of year
—
Estimated monthly benefits
~$—
par mois
Verify with the official CRA calculator
This estimate is based on your inputs. Actual amounts are determined by the CRA based on your filed tax return. The tilde (~) means estimate.
Federal Benefits
Canada Child Benefit
CCB — monthly payments for families with children
—
par mois
● Automatic
Paid on the 20th of each month.
Estimate only — actual amount determined by CRA
Crédit pour la TPS/TVH
Quarterly payments to offset sales tax
—
per quarter
● Automatic
Paid quarterly: July, October, January, April. Assessed automatically when you file your tax return — no separate application needed.
Proposed change: The government has proposed increasing this benefit by 25% starting July 2026 — this estimate uses current confirmed 2025-26 amounts.
Estimate only — actual amount determined by CRA
Canada Workers Benefit
CWB — refundable tax credit for working individuals and families
—
The CWB is calculated on your earned working income (wages, salaries, self-employment). This estimate uses your household income as a proxy. Your actual amount may differ. Claimed on your annual tax return (Schedule 6).
Estimate only — actual amount determined by CRA
Ontario Benefits
Ontario Child Benefit
OCB — monthly supplement for Ontario families with children
—
par mois
● Automatic
Paid together with CCB on the 20th of each month. Assessed automatically when you apply for CCB — no separate application needed.
Estimate only — actual amount determined by CRA
Ontario Trillium Benefit
OTB — combines Ontario Sales Tax Credit + Energy & Property Tax Credit
—
par mois
● CTSO: Automatic
⚠ CEBEO: Form needed
Ontario Sales Tax Credit (CTSO)
—
Per year · Assessed automatically · No form needed
Energy & Property Tax Credit (CEBEO)
—
Paid on the 10th of each month.
CEBEO is an estimate. Actual amount depends on exact rent paid, age, and individual tax situation.
Always verify with the official CRA calculator
This tool estimates — the CRA Child and Family Benefits Calculator is the source of truth for your exact amounts.
What you need to do
1
File your income tax return (T1)
Even if you have $0 income — filing is what triggers most benefits. Free filing options: TurboTax (free tier), Wealthsimple Tax, or a free local CVITP volunteer tax clinic.
2
Apply for CCB — and OCB automatically
Apply via CRA My Account → Apply for Child Benefits, or mail Form RC66 + RC66SCH (newcomers must use RC66SCH). The Prestation ontarienne pour enfants (POE) is assessed automatically — no extra step.
3
Complete Form ON-BEN with your tax return
This unlocks the Ontario Energy & Property Tax Credit (CEBEO) portion of the Ontario Trillium Benefit. Without this form, you miss the CEBEO — this is the #1 reason people miss money they're entitled to. Get Form ON-BEN →
4
Set up CRA My Account
See all your benefit amounts, payment dates, and notices online. canada.ca/my-cra-account →
5
Set up direct deposit
Payments arrive faster and never get lost in the mail. Set up direct deposit in CRA My Account. It takes 5 minutes and means all your benefit payments land directly in your bank account.