Get a free, no obligation personal loan quote with rates as low as 6.99%
Get Started You can apply with no effect to your credit score

Having and raising kids is incredibly rewarding, but it’s also very expensive. In fact, the average Canadian family spends anywhere from $10,000 to $15,000 per year to raise a child until they hit the age of 18. That’s a hefty amount that not all Canadian parents may be able to comfortably afford.

Luckily, the provincial and federal governments have programs in place that are meant to help ease the financial burden that often comes with raising children. In Ontario, parents may be eligible for the Ontario Child Benefit (OCB) to help out.

Article Summary – What You Need To Know About The Ontario Child Benefit (OCB)

  • OCB is a provincial program designed to support low-to-moderate-income families with child-related expenses. 
  • This payment is added to what you qualify for under the CCB program. 
  • OCB payments are combined and delivered with the CCB payments. 
  • You can get up to $140 per month for each child under 18 years of age from July 2023 to June 2024. Note that these amounts are updated each year for inflation.

What Is The Ontario Child Benefit (OCB)?

The Ontario Child Benefit is a plan backed by the provincial government designed to help low-to-moderate-income families with the financial responsibilities of raising children under the age of 18. 

Parents can receive this benefit whether or not they are employed. Payments are tax-free and are issued monthly to families who qualify.

If you have any questions regarding the Ontario Child Benefit, you can contact the CRA via telephone at 1-800-387-1193.

How Much Can You Get Through The Ontario Child Benefit?

Eligible families can receive up to $1,680 per child per year, which works out to up to $140 per child under 18 every month.

The amount you receive will vary based on the following:

  • How many children you have
  • How old your children are
  • Your marital status
  • Your adjusted family net income from your previous year’s tax return

Who’s Eligible For The Ontario Child Benefit?

To be eligible for the Ontario Child Benefit, you need to qualify for the federal Canada Child Benefit (CCB). To qualify, you must: 

  • Reside with a child who is under the age of 18  and be the primary caregiver of the child. 
  • You or your spouse or partner must be a Canadian citizen, permanent resident,  Indigenous person, protected person, or a temporary resident who has lived in Canada for the past 18 months (conditions apply). 
  • Have filed your tax return. 
  • You registered your child(ren) for the Canada Child Benefit 
  • You have a net income under the adjusted family net income threshold. 

If your adjusted family net income is above the threshold, you may receive a partial benefit.

How Do You Apply For The Ontario Child Benefit?

You can apply for the Ontario Child Benefit as soon as your child is born, starts to live with you after a period spent living with someone else, or when you get custody of your child. 

Apply for the benefit in one of the following ways:

Through Birth Registration

You can apply for the OCB and CCB when you register the birth of your baby by paper at the place of birth. If you live in Ontario, Quebec, or British Columbia, you may also register online.

You’ll need to provide your Social Insurance Number (SIN) to ensure that the birth registration information is shared securely with the Canada Revenue Agency (CRA) and to provide your consent.

Online Through My CRA Account 

You can also apply online using the My Account (your personal CRA account) on the CRA website if you did not register when your baby was born. If you don’t already have an account, you’ll need to register for one before applying for the benefit. 

The CRA will automatically review your qualifications for this benefit once your income tax return is assessed and you’ve registered for the Canada Child Benefit.

Ontario Child Benefit Payment Dates 2024

Once approved, you’ll receive your benefits as monthly payments deposited directly into your bank account around the 20th of each month. The first payment will arrive within 8 weeks of completing and submitting an online application, or up to 11 weeks after applying by mail. 

Here are the exact payment dates for the Ontario Child Benefit in the year 2024:

January 19, 2024
February 20, 2024
March 20, 2024
April 19, 2024
May 17, 2024
June 20, 2024
July 19, 2024
August 20, 2024
September 20, 2024
October 18, 2024
November 20, 2024
December 13, 2024

How Does The CCB Affect Your OCB Payment Amount? 

Parents can receive the Ontario Child Benefit along with their Canada Child Benefit (CCB), a federal government-backed plan that also helps families with the cost of raising children. 

Eligible families can receive up to $7,437 per year per child under the age of 6 years, and up to $6,275 per year per child between the ages of 6 and 17. When combined with the OCB payment you can expect to receive the following:

Max Monthly OCB Payment AmountMax Monthly CCB Payment AmountMax Monthly Amount 
Children Under 6 years old$140$619.75$759.75
Children 6 to 17 years old$140$522.91$662.91

How Can You Maximize Your OCB Benefit?

The amount that you receive through the Ontario Child Benefit is based on how much you earn. As such, you may be able to increase your benefit by reducing your taxable income, which you can do by maximizing your tax return with tax deductions and credits.

For instance, things such as childcare expenses, education fees, adoption expenses, medical costs, student loan interest, and donations can be used as tax deductions and tax credits. Speak with a tax specialist to help you reduce your taxable income and thereby maximize your OCB benefit.

Other Ontario Financial Programs To Help With Child Expenses

Newborn Allowance

Ontario residents who receive Ontario Works support can receive money to help pay for newborn items. Learn more about the Newborn Allowance.

Money For Individuals Who Are Pregnant Or Breast/Chest-Feeding

Ontario residents who receive Ontario Works support can receive $40 per month or $50 per month if lactose intolerant to help support their nutritional needs. 

The Learning, Earning And Parenting (LEAP)

If you are a young parent who receives Ontario Works support, you may be able to get an additional $233 per month through LEAP. Learn more about this program

Temporary Care Assistance

If you are temporarily caring for a child that is not yours, you may qualify for Temporary Care Assistance. This program offers $274 for the first child and $224 for each additional child. Learn more about this program.

Transition Child Benefit (TCB)

Parents who receive Ontario Works support and are waiting to receive OCB payments can qualify for the Transition Child Benefit (TCB). The maximum monthly amount is $230 per child. Learn more about the TCB.

Child Care Subsidy

Families with children under 13 years old (or up to 18 if they have special needs) can apply for the Ontario child care fee subsidy. Those eligible can access certain camps, children’s recreation programs and other child care programs at a reduced rate. For more information, visit

Final Thoughts

The cost of raising children can be astronomical. While many Canadian families may be able to comfortably afford the expenses, others may find it difficult. In the case of the latter, there are programs available that can help out financially, and the Ontario Child Benefit is one of them. Find out if you qualify to receive some much-needed funds to care for your child.

Ontario Child Benefit FAQs

Is the OCB taxable?

No, the OCB is a tax-free amount paid to eligible families to provide for their children. 

How will I receive the OCB payment?

You can either receive your OCB payments through the mail or via direct deposit into your bank account. Keep an eye out for a deposit named “Federal-Provincial-Territorial” or “FPT”. The OCB is part of the FPT tax system.

Can I get a loan while receiving OCB payments?

Yes, you may still qualify for a loan while receiving OCB payments. Since these payments are considered income, the amount you receive can boost your chances of approval.

What is the baby bonus in Ontario?

The Ontario Child Benefit is sometimes referred to as the “Ontario Baby Bonus”. The baby bonus is not a separate program. 

What happens to my OCB payment if my spouse and I split up? 

If you and your spouse get a divorce and have shared custody of the child, you’ll each get 50% of the payment. However, if you have full custody of the child, you will receive the full amount.
Lisa Rennie avatar on Loans Canada
Lisa Rennie

Lisa has been working as a personal finance writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same.

More From This Author

Special Offers

More From Our Experts
Loans Canada places No. 228 on The Globe and Mail’s fifth-annual ranking of Canada’s Top Growing Companies.

By Caitlin Wood, BA
Published on September 29, 2023

Loans Canada is excited to announce it has made it onto the Globe and Mail’s Top Growing Companies list for the second year in a row.
Finder Awards Finalists: Personal Loans Customer Satisfaction Awards 2023

By Priyanka Correia, BComm

Loans Canada is happy to announce it received the finalist award in the Best Personal Loan Search Platform category.
Beware of Fraudulent Lenders Impersonating Loans Canada

By Caitlin Wood, BA

A note to our clients about fraudulent lending practices and illegal upfront fees.
Tim Hortons Rewards: What You Need To Know

By Priyanka Correia, BComm

The Tim Hortons rewards system is designed to help you get more out of your morning coffee purchase.
Tax Tips For Low-Income Earners In 2024

By Bryan Daly

If you're a low-income earner, this is the advice you need to take full advantage of income tax season this year.
Do You Pay Inheritance Tax In Canada?

By Jessica Martel

If you’re about to inherit a family asset, you may be concerned about its financial implications. Thankfully, you don't have too much to worry about w...
Average Rent Payments In Canada (By Major City) 2024

By Matthew Taylor

Are you a renter? Do you know how your rent compared to what the rest of Canada is paying? Here are the average rent payments by major city.
Land Transfer Tax Ontario: What Buyers Should Know

By Lisa Rennie

Thinking about buying or selling a house in Ontario now or in the near future? You need to know how the land transfer tax will affect you.

Recognized As One Of Canada's Top Growing Companies

Loans Canada, the country's original loan comparison platform, is proud to be recognized as one of Canada's fastest growing companies by The Globe and Mail!

Read More

Why choose Loans Canada?

Apply Once &
Get Multiple Offers
Save Time
And Money
Get Your Free
Credit Score
Expert Tips
And Advice

Build Credit For Just $10/Month

With KOHO's prepaid card you can build a better credit score for just $10/month.

Koho Prepaid Credit Card