CCB Payment November 20, 2026: What Changed and How Much You Get
The next Canada Child Benefit payment lands on Friday, November 20, 2026. It is based on your 2025 tax returns and the higher amounts that started in July.
- Dates and amounts checked November 9, 2026
- By Krish Paul
- 7 min read
On this page
Here is what you can expect to get, what has changed this benefit year, and what to do if the money does not show up.
The short answer
The Canada Child Benefit (CCB) for November is paid on November 20, 2026. Families get up to $679.75 a month for each child under 6 and up to $573.58 a month for each child aged 6 to 17, reduced once 2025 adjusted family net income passes $38,237. The last payment of 2026 comes early, on December 11.
The CCB is a tax-free monthly payment from the Canada Revenue Agency (CRA). About 3.6 million families caring for 6 million children receive it, according to a Government of Canada release from July 20, 2026. Use the calculator below for a quick estimate of your own payment.
Estimate your November CCB payment
Enter your 2025 family net income and your children by age. The result updates as you type.
Uses the CRA rates for July 2026 to June 2027 with full custody. It leaves out the Child Disability Benefit and provincial programs. Calculator by Gizly.
The prefilled example is a hypothetical couple with children aged 5 and 9 and $65,000 of family net income. The government used the same family in its July release and put their benefit at about $11,430 for 2026 to 2027.
What has changed since last year
Nothing new kicks in with the November payment itself. The changes below took effect earlier and are already built into what you receive.
| Item | Now | What changed |
|---|---|---|
| Maximum per child under six | $8,157 a year | Up $160 since July |
| Maximum per child aged six to seventeen | $6,883 a year | Up $135 since July |
| Income year used | 2025 returns | Moved forward one year in July |
| Reduction starts at | $38,237 | Current benefit year figure |
| After a child dies | 6 more months | Deaths since 2025 |
| December payment | December 11 | Earlier than usual |
Sources: CRA, How much you can get and Keep getting your payments, both modified October 22, 2026; Government of Canada news release, July 20, 2026.
Higher maximums since July
The CCB is indexed to inflation every July. For July 2026 to June 2027, the maximum rose by up to $160 per child under 6 and up to $135 per child aged 6 to 17. In monthly terms, that is about $13 more for a young child and about $11 more for an older one, if you get the full amount.
The government says the family in the calculator example will get nearly $400 more in 2026 to 2027 than the year before.
Your 2025 return now sets the amount
The CRA recalculates the CCB every July from the previous year’s income. Since July 2026, your payments use the adjusted family net income (AFNI) from your 2025 returns and your spouse’s or partner’s. A raise in 2025 can lower this year’s payment, and a drop in income in 2025 can raise it. Your 2026 income will not count until July 2027.
Payments continue after a child’s death
If you were receiving the CCB for a child who died on or after January 1, 2025, you may keep receiving payments for 6 more months, or until the date the child would have turned 18 if that is sooner. The CRA says the extension also covers the Child Disability Benefit and some provincial and territorial programs. You still need to tell the CRA about the death as soon as possible.
What the federal budget did, and did not, do
The federal budget tabled on November 5, 2026 does not change the November payment. The Budget in Brief lists the CCB among existing affordability benefits and announces the next step in Automatic Federal Benefits, which it says will help an estimated 150,000 more people get benefits they qualify for. Our Budget 2026 breakdown covers the other measures.
How the CRA works out your payment
The CRA adds up the maximum for each child, then subtracts a reduction based on your AFNI. Up to $38,237 there is no reduction. Between $38,237 and $82,847, a percentage of the income above $38,237 comes off. Above $82,847, a fixed amount comes off plus a smaller percentage of the income above $82,847.
- 1 child: 7%, or $3,123 plus 3.2% above $82,847.
- 2 children: 13.5%, or $6,022 plus 5.7% above $82,847.
- 3 children: 19%, or $8,476 plus 8% above $82,847.
- 4 or more: 23%, or $10,260 plus 9.5% above $82,847.
For the example family, the maximum for two children is $15,040 a year. Their income is $26,763 above the first threshold, and 13.5% of that is $3,613. That leaves $11,427 a year, or $952.25 a month. The rate depends on how many children you have. Age only changes the starting maximum.
Two cases work differently. In shared custody, each parent gets 50% of what they would get with full custody, based on their own AFNI. And if your total for the year comes to less than $240, you get no monthly payments. The CRA pays it as one lump sum with the July payment instead.
If your child qualifies for the disability tax credit, the Child Disability Benefit of up to $3,480 a year ($290 a month) is added to your CCB. Our Child Disability Benefit guide explains who qualifies.
Before November 20: a quick check
Most missed or reduced payments come down to one of these.
- Both 2025 returns filedYou and your spouse or partner must each file every year. The CRA says to file by April 30 to avoid a break in payments.
- Direct deposit and address currentPayments may stop if you move without telling the CRA, even with direct deposit.
- Changes reportedTell the CRA about a new partner, a separation or a change in custody, so it pays the right person the right amount.
If the November payment does not arrive
- Wait 5 working days. The CRA asks CCB recipients to wait 5 working days after the payment date before contacting it. For a November 20 payment, that means waiting until after Friday, November 27.
- Check your CRA account. Sign in to confirm the payment amount and the bank account it was sent to.
- Look for the usual causes. A missing return for you or your partner, an old address, or a change in marital status or custody that the CRA is still processing.
- Contact the CRA. If nothing has arrived after 5 working days and your details look right, call the CRA benefits line.
Changes you need to report
- Marital status. A new spouse or partner changes your family income, which changes your payment.
- Custody. When shared custody starts, each parent must tell the CRA immediately. Tell it right away if a child stops living with you.
- Address. Update it whenever you move, or your payments may stop.
Your entitlement for a child stops the month after the child is no longer in your care. Reporting early keeps you from being paid an amount you later have to sort out with the CRA.
CCB payment dates for the rest of 2026
The CRA has paid the CCB on or near the 20th of each month this year: January 20, February 20, March 20, April 20, May 20, June 19, July 20, August 20, September 18 and October 20. Two payments remain: November 20 and December 11. The CRA had not listed 2027 dates when we checked on November 9, 2026.
Because the December payment comes early, the wait until the first 2027 payment will be more than a month if the January payment falls near the 20th, as it did in 2026. If your budget relies on the CCB, set some of the December payment aside for January. Our guide to sizing an emergency fund can help.
Frequently asked questions
When is the next Canada Child Benefit payment?
The next CCB payment is on Friday, November 20, 2026. The last payment of 2026 follows on December 11. If your payment has not arrived, the CRA asks you to wait 5 working days before contacting it.
How much is the November 2026 CCB payment?
It depends on your 2025 family net income and your children’s ages. The most you can get is $679.75 a month for each child under 6 and $573.58 a month for each child aged 6 to 17, with the full amount paid when family net income is $38,237 or less.
Did the CCB go up in 2026?
Yes. Since July 2026 the maximum is $8,157 a year per child under 6 and $6,883 per child aged 6 to 17. That is up to $160 and $135 more per child than the year before, because the benefit is indexed to inflation each July.
Did the 2026 federal budget change the Canada Child Benefit?
No change to the November payment. The Budget in Brief from November 5, 2026 lists the CCB among existing benefits and announces the next step in Automatic Federal Benefits, which it says will help an estimated 150,000 more people.
When is the December CCB payment?
The CRA has set the December 2026 payment for December 11 instead of the usual date near the 20th. It is the last CCB payment of the year. The CRA had not listed 2027 dates when we checked on November 9, 2026.
What happens to the CCB if a child dies?
Tell the CRA as soon as possible. If the child died on or after January 1, 2025, you may keep getting CCB payments for 6 more months, or until the date the child would have turned 18 if that comes first.
- Sources, checked November 9, 2026: CRA: CCB payment dates (modified 2026-10-22); CRA: Benefit payment dates (modified 2026-10-14); CRA: CCB, how much you can get (modified 2026-10-22); CRA: CCB, keep getting your payments (modified 2026-10-22); CRA: CCB, who can apply (modified 2026-10-22); Government of Canada: Canada Child Benefit payments increasing in 2026-2027 (published 2026-07-20); Department of Finance: Budget 2026 in Brief (dated 2026-11-05).
- Method: The worked example and calculator use the CRA’s published maximums, thresholds and reduction rates for July 2026 to June 2027, with the reduction cut to the cent. The example was calculated in Python with floating-point and decimal arithmetic, which agree at $11,427.00 a year. Monthly figures divide the yearly amount by 12. The calculator assumes full custody and does not include the Child Disability Benefit or provincial programs.
Important: This article is general information, not financial, tax or legal advice. Your CRA notice shows your actual amount. Gizly is not affiliated with the Government of Canada. See our affiliate disclosure.
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