Families with children in Quebec receive both federal Canada Child Benefit and provincial Quebec Child Assistance — together totalling thousands annually.
Canada Child Benefit (Federal) 2025–2026
- Up to $7,437/year per child under 6
- Up to $6,275/year per child aged 6–17
- Reduces when adjusted family net income exceeds $36,502
Both parents must file tax returns for CRA to calculate benefits — late filers lose months of payments.
Quebec Child Assistance Payment
Monthly provincial payments per child under 18. Base amount 2025: ~$2,832/year for first child with additional amounts for single-parent families.
Disability Enhancement
Children with the Disability Tax Credit receive the Canada Child Disability Benefit — an additional $3,322/year (2025). Ensure a DTC application is filed if applicable.
Childcare Expense Deduction
Daycare, after-school care, and day camps are deductible — claimed by the lower-income spouse. Keep all receipts with provider SIN or business number.
RESP: Start Early
Open an RESP the year your child is born to maximize lifetime CESG ($7,200) and QESI ($3,600) grants. Missing early years permanently forfeits grant money that cannot be retroactively recovered beyond a limited catch-up window.