Every Canada benefit, one calculator
Check payment dates, see if you qualify, and estimate how much you will get for CPP, OAS, the GST/HST credit, the Canada Child Benefit and more. Updated for 2026 and 2027.
Find your benefits →What is Benefits Bureau
Benefits Bureau is a free reference and calculator site that covers every major Canadian government benefit program. Each page pairs a plain-language explainer with a working calculator so you can see your actual number, not just a general range. The site covers federal programs administered by the Canada Revenue Agency and Service Canada, as well as the largest provincial programs in Ontario, Alberta, and British Columbia.
All figures are verified against official CRA and Service Canada sources and updated at the start of each benefit year. Payment dates come directly from government schedules and are listed in full for 2026 and 2027 on every relevant page.
Key 2026 benefit amounts at a glance
The table below shows the maximum amounts for the most-searched Canadian benefits in 2026. These are the headline figures. Your actual amount depends on your income, age, family size, and contribution history, so use the calculators on each page for a personal estimate.
| Benefit | Maximum 2026 amount | Paid by |
|---|---|---|
| CPP retirement pension | $1,507.65 per month | Service Canada |
| OAS pension (65 to 74) | $742.31 per month | Service Canada |
| OAS pension (75 and over) | $816.54 per month | Service Canada |
| GST/HST credit (single) | $533 per year | CRA |
| GST/HST credit (couple) | $698 per year | CRA |
| Canada Child Benefit (child under 6) | $7,997 per year | CRA |
| Canada Child Benefit (child 6 to 17) | $6,748 per year | CRA |
| Canada Workers Benefit (single) | $1,633 per year | CRA |
| Canada Workers Benefit (family) | $2,813 per year | CRA |
| Employment Insurance (max weekly) | $729 per week | Service Canada |
| Disability Tax Credit (federal) | $9,872 base amount | CRA |
All amounts are for the 2026 benefit year. Most programs index their amounts to inflation each year, so amounts rise slightly in July (for CCB and CWB) or quarterly (for CPP and OAS).
The most-used calculators
CPP calculator
The CPP break-even calculator helps you decide whether to start your Canada Pension Plan retirement pension at 60, 65, or 70. Taking CPP at 60 reduces your monthly amount by 36 percent for life. Waiting until 70 increases it by 42 percent. The calculator shows the crossover age at which the later start catches up in total dollars paid, based on your own estimated amount at 65.
OAS clawback calculator
The OAS clawback calculator shows how much of your Old Age Security is recovered if your net world income is above $93,454 in 2026. The recovery tax is 15 cents for every dollar above the threshold. The calculator shows exactly how much OAS you keep and what income level triggers a full clawback.
Canada Child Benefit calculator
The CCB calculator estimates your monthly and annual Canada Child Benefit based on your adjusted family net income and the number and ages of your children. For the 2026 benefit year the maximum is $7,997 per year for each child under 6 and $6,748 for each child aged 6 to 17.
GST/HST credit calculator
The GST/HST credit calculator estimates your quarterly payment based on your family net income, marital status, and number of children. The credit phases in and then phases out as income rises. Singles can receive up to $533 per year and couples up to $698, paid in four installments in January, April, July, and October.
EI calculator
The Employment Insurance calculator estimates your weekly EI benefit at 55 percent of your average insurable weekly earnings, up to a maximum of $729 per week in 2026. That ceiling is set by the maximum annual insurable earnings of $68,500.
Canadian benefit payment schedules
Most federal benefits share the same payment infrastructure and follow predictable schedules. CPP and OAS are both paid on the third-last business day of each month. The Canada Child Benefit is paid around the 20th of each month. The GST/HST credit and the Canada Workers Benefit advance payments follow quarterly schedules. Employment Insurance is paid every two weeks after you complete your biweekly report online.
Provincial benefits like ODSP in Ontario, AISH in Alberta, and the BC Family Benefit generally align with the federal schedule but have their own dates. Each payment date page on this site lists the full annual schedule so you can plan ahead.
How Benefits Bureau keeps figures accurate
Every calculator on this site uses only official figures from the CRA and Service Canada. We do not use estimated or projected amounts. When the government adjusts thresholds and maximums, which happens each year for most indexed programs, the figures on this site are updated to match. Calculator math is tested against official examples before each update.
Each benefit page includes a direct link to the relevant official canada.ca or service canada.gc.ca source page so you can verify any figure yourself. The disclaimer on every page states clearly that Benefits Bureau is not affiliated with the Government of Canada or the CRA and that the calculators produce estimates, not official determinations.
How to use this site
Start with the Canada benefits calculator if you are not sure which programs apply to you. Answer a few questions about your situation and the tool lists the programs you are likely eligible for with links to the relevant calculators. If you already know which benefit you are looking for, use the category links above or the search bar to go directly to that page.
All pages are written for Canadian residents. Some programs, like EI and CPP, require you to have paid into them through employment. Others, like OAS and GIS, are based on age and residency. Provincial programs like ODSP and AISH have their own residency and disability requirements. Each page explains who qualifies before showing the calculator.
Frequently asked questions about Canadian benefits
When are CPP and OAS paid in 2026?
CPP and OAS are paid on the same date each month: the third-last business day. In 2026 the dates run from January 28 to December 22. See the full CPP payment dates and OAS payment dates pages for the complete schedule.
How do I know if I qualify for the Canada Child Benefit?
You qualify for the CCB if you live with a child under 18, are primarily responsible for their care, and are a resident of Canada for tax purposes. You and your spouse must both file a tax return each year, even with no income, because the CRA calculates your benefit from your returns. See the CCB page for eligibility details.
Is the GST/HST credit the same as the grocery rebate?
The grocery rebate was a one-time top-up to the GST/HST credit paid to eligible lower-income households to help with food costs. It was separate from the regular quarterly credit. The regular GST/HST credit continues each year. See the grocery rebate page for details on who received it and what replaced it.
Can I get EI if I quit my job?
Generally, no. EI regular benefits are for people who lost work through no fault of their own, such as a layoff or shortage of work. Voluntarily leaving without just cause makes you ineligible. There are some exceptions, such as leaving to care for a family member or to escape workplace harassment. See the EI eligibility page for a full breakdown.
What is the OAS clawback threshold for 2026?
The OAS recovery tax begins once your net world income passes $93,454 in 2026. Above that line you lose 15 cents of OAS for every dollar of income until OAS is fully recovered at around $152,000. Use the OAS clawback calculator to see your exact reduction.