One place for the payments that actually land in your account — CPP, OAS, GIS, EI, the Canada Child Benefit, the GST/HST credit and the new 2026 programs. Each guide gives you the exact dates, the real amounts by income, and the rules that decide what you keep.
CPP and OAS arrive near month-end, the GST/HST credit and Ontario Trillium pay on set quarterly dates, and the Canada Child Benefit lands around the 20th. What you actually receive depends on your income, contribution history and years of residence — not the advertised maximum. The guides below give you the real numbers, with calculators to find your own.
In-depth, regularly updated guides on every major federal and provincial benefit — payment dates, amounts by income, and who qualifies in 2026.
All 12 deposit days, with December arriving early on the 22nd.
Calculate your exact monthly CPP benefit by the age you begin.
The lifetime math behind a roughly $200,000 timing decision.
When the next OAS deposit lands and the July raise hits.
Your exact OAS payment by age and years lived in Canada.
How much more you receive — 65-74 versus the 75+ top-up.
The income level where OAS recovery starts, and what you keep.
Whether deferring OAS to 70 pays off for your situation.
The income cutoff to qualify, plus ways to protect your GIS.
How much Guaranteed Income Supplement you get at each income.
Why the typical retiree gets about $1,668/mo, not the max.
Calculate your exact weekly EI cheque from your insurable income.
Your exact insurable-hours requirement by region, plus the newcomer trap.
Your weekly amount and how many weeks of sickness benefits you get.
Standard vs extended parental leave, with a free calculator.
The 2026 weekly maximum and how to split weeks between caregivers.
Which province qualifies for the longest EI even on one rate.
420 to 700 insurable hours depending on where you live.
What you actually receive each month at $50K, $100K and $150K.
Every 2026 CCB deposit date and when the next one lands.
Your exact monthly Canada Child Benefit by income and child age.
How provincial top-ups change your total, Quebec to Saskatchewan.
Your exact ACFB amount and the four 2026 payment dates.
Estimate your BC Family Benefit — e.g. $775 at $72K with one child.
The five 2026 payment dates, a $717 top-up and the new name.
How much you get and who still qualifies in 2026.
2026 payment dates and how your OTB amount is set.
Who receives the $200 and who ends up with $0.
Up to $950 single and $1,890 per family in 2026.
The $70K, $80K and $90K income cutoffs that set your co-pay.
New amounts for CCB, OAS, the GST credit and more.
The July 10 increase and your exact amount by family status.
Government benefits rarely stand alone. They interact with retirement income, a major windfall, or a sudden job loss — and the timing decisions matter.
EI eligibility, the waiting period, and how severance interacts with your benefits can change your cash flow for months. We help you sequence it so you don't leave money on the table.
Learn more about severance planningA lump sum can push your income past the OAS clawback or GIS cutoff. We help structure how and when income lands so your benefits and your inheritance work together.
Learn more about inheritance planningWondering whether CPP, EI or registered accounts fit Islamic principles? Our halal investing hub covers the rulings and the Sharia-compliant ways to grow what your benefits don't cover.
Explore the halal investing hubBeyond benefits, our blog covers RRSPs, TFSAs, capital gains, estate planning and the tax decisions that shape your retirement income across Canada.
Read the latest guidesMost federal benefits follow fixed monthly or quarterly schedules. CPP and OAS pay near the end of each month, the GST/HST credit pays quarterly (January, April, July, October), and the Canada Child Benefit pays around the 20th. Our individual guides list every exact date for 2026, including the December early-payment dates.
Maximums and averages differ widely. The 2026 CPP and OAS maximums are well above what most retirees actually receive — the average combined CPP + OAS at 65 is roughly $1,668 per month, not the headline maximum. Your amount depends on contribution history (CPP) and years of Canadian residence (OAS). Each guide has a calculator to estimate your exact figure.
OAS is clawed back once net income passes the 2026 recovery threshold, and GIS phases out as other income rises. The exact dollar cutoffs are set each year. Our OAS clawback and GIS eligibility guides show the 2026 thresholds and how much you keep at each income level.
EI eligibility is regional — depending on your area's unemployment rate, you may need between 420 and 700 insurable hours, with special rules for newcomers and re-entrants. The weekly benefit is a percentage of insurable earnings up to an annual maximum. Our EI guides break down hours by region and the exact weekly amount by income.
The CCB is income-tested and paid monthly to families with children under 18. The amount tapers as family net income rises, and several provinces add their own top-ups (Alberta, BC, Ontario and others). Use the CCB calculator guide to estimate your monthly payment by income and number of children.
2026 brings several changes: the Canada Disability Benefit, the renamed Canada Groceries and Essentials Benefit, expanded Canadian Dental Care Plan income cutoffs, and the July CRA benefit increases across CCB, OAS and the GST credit. Each program has its own guide with the new amounts and qualifying rules.
Schedule a free, no-obligation conversation. We'll help you see how CPP, OAS, EI and your other income work as one plan.
Free consultation - no obligation, no pressure. Let's map your benefits to your goals.
Based in Mississauga, we provide financial planning guidance throughout the Greater Toronto Area. Meet in-person or virtually.
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