Canada Child Benefit, RESP Grants and School Phone Rules 2026-27: Every Number for Canadian Parents
The CCB pays up to C$8,157 per child under 6 from July 2026; the RESP grant adds C$500 a year. Every 2026-27 figure, plus phone and kindergarten rules by province.
From July 2026 to June 2027 the Canada Child Benefit pays up to C$8,157 a year for each child under 6 and C$6,883 for each child aged 6 to 17, based on 2025 family net income, and starts to shrink above C$38,237. The Canada Education Savings Grant adds 20% to the first C$2,500 put into an RESP each year, up to C$7,200 per child, and every province now restricts phones in school.
This page collects the numbers Canadian parents look up most for 2026-27, each from the Canada Revenue Agency, Employment and Social Development Canada or a provincial ministry, checked on 16 October 2026.
Canada Child Benefit, July 2026 to June 2027
The CCB for this period is based on your 2025 adjusted family net income (CRA).
| Per year | Per month | |
|---|---|---|
| Each child under 6 | C$8,157 | C$679.75 |
| Each child aged 6 to 17 | C$6,883 | C$573.58 |
How it is reduced:
| Children | Income C$38,237 to C$82,847 | Income over C$82,847 |
|---|---|---|
| 1 | 7% of income over C$38,237 | C$3,123 + 3.2% of income over C$82,847 |
| 2 | 13.5% | C$6,022 + 5.7% |
| 3 | 19% | C$8,476 + 8% |
| 4 or more | 23% | C$10,260 + 9.5% |
The Child Disability Benefit adds up to C$3,480 a year per child eligible for the disability tax credit, reduced above C$82,847 by 3.2% (one child) or 5.7% (two or more) (CRA). Work out your own amount with the Canada Child Benefit calculator.
RESP grants and the Canada Learning Bond
| Amount | |
|---|---|
| Canada Education Savings Grant (basic) | 20% of the first C$2,500 a year = C$500 |
| Additional CESG, 2026 income under C$58,523 | Extra 20% on the first C$500 = C$100 |
| Additional CESG, C$58,523 to C$117,045 | Extra 10% on the first C$500 = C$50 |
| Most grant in one year (with unused room) | C$1,000 |
| Lifetime grant limit | C$7,200 |
| Grant paid until | The end of the year the child turns 17 |
| Canada Learning Bond | C$500 first year, C$100 a year after, up to age 15, max C$2,000 |
| RESP lifetime contribution limit | C$50,000 per child |
At 16 and 17, the grant is only paid if at least C$2,000 was contributed before the end of the year the child turned 15, or at least C$100 a year in any four earlier years. The Canada Learning Bond is for lower-income families (for 1 to 3 children, 2026 family income up to C$58,523) and needs no contribution. Sources: ESDC: Canada Education Savings Grant, CRA: RESP contributions. British Columbia adds a one-time C$1,200 grant for children aged 6 to 8, and Quebec's QESI adds up to C$3,600 over a child's life. Project an RESP with the RESP grant calculator.
Phones in school, province by province
| Province or territory | Rule | Since |
|---|---|---|
| Ontario | Grades 7-12: no use in instructional time unless a teacher allows it; K-6: off and out of view all instructional day | September 2024 |
| Quebec | Banned all school day, including breaks and lunch | 2025 school year (in class since January 2024) |
| Alberta | Restricted at least during instructional time | September 2024 |
| British Columbia | Every district must restrict devices, including during instruction | 2024-25 |
| Manitoba | K-8: none during school hours, including breaks; 9-12: none in class | September 2024 |
| Saskatchewan | None during class time, K-12 | 2024-25 |
| Nova Scotia | Off and out of sight in class; elementary stored all day | 2024-25 |
| New Brunswick | K-8: none all day; 9-12 from February 2027 | September 2026 |
| Prince Edward Island | None in classrooms; K-6 put away all day | 2024-25 |
| Newfoundland and Labrador | Grade 7+: off and out of sight in class | January 2025 |
| Yukon | K-7: none all day; 8-12: stored in class | 2026-27 |
The Northwest Territories and Nunavut had no confirmed territory-wide policy in October 2026. Sources include Ontario PPM 128, Quebec, Manitoba, Saskatchewan, Nova Scotia, British Columbia and Yukon. The full table is the school phone rules by province tool.
Kindergarten age by province
Most provinces admit children in the school year they turn 5 by 31 December. The exceptions: Quebec uses 30 September, Alberta needs 4 years 8 months by 31 August, and Ontario's junior kindergarten starts in the year a child turns 4. See every province in the kindergarten age tool, and the grade for any birth date in the Canada grade calculator.
Social media rules
Canada's Bill C-34, the Safe Social Media Act, would keep under-16s off social media accounts, but it was at second reading in the House of Commons in October 2026 and is not law (LEGISinfo). Ontario and Alberta already require schools to block social media on school networks and devices. Compare other countries in which countries ban social media for children.