Light is a primary constraint on primary production and drives many ecological processes in stream ecosystems, yet light regimes have received considerably less attention than other factors of the stream environment, such as hydrology or nutrient cycling. Light received by streams can be highly heterogeneous in both space and time resulting from changes in topography, channel characteristics, and riparian vegetation. Both the structure and phenology of riparian vegetation can be important determinants of the seasonality and magnitude of light reaching the stream surface, particularly in smaller forested streams. Despite the importance of riparian phenology on temporal patterns of stream light availability, existing models do not account for the seasonal dynamics of canopies. We developed a dynamic, biophysically based model (StreamLight) that incorporates canopy structure and phenology to predict light reaching the stream surface. We compared StreamLight to an existing model at 21 sites across the USA and found that, across sites, our biophysically based model produced light estimates that were more strongly correlated to observations and reduced the magnitude of errors in comparison to the existing model, particularly for streams that were relatively narrow compared to the height of riparian vegetation. Because smaller streams represent most global stream length, we expect that, in many smaller forested streams, the inclusion of canopy structure and phenology will enhance our ability to predict light regimes. We also used model simulations to examine the importance of controls on stream light environments and found that channel width was the strongest control on light environments. StreamLight represents an important incremental step forward in developing mechanistic models of river network productivity and in linking shifts in terrestrial vegetation structure and phenology to aquatic ecosystem productivity and thermal regimes.