How to use the Canada Disability Benefit calculator
- 1 Choose your situation: single, couple with one of you eligible, or both eligible.
- 2 Enter your adjusted family net income for 2025.
- 3 Enter your working income for 2025.
- 4 Read the monthly and yearly benefit.
Worked example
A single person with the disability tax credit, $28,000 of family net income including $12,000 of earnings. The first $10,210 of earnings is exempt, leaving $17,790, which is under $23,483, so the full $204.20 a month is paid. With $35,000 of earned income, $24,790 counts and the benefit falls to about $182.42 a month.
Getting the Canada Disability Benefit
- Get the disability tax credit approved first.
- File your taxes, and your spouse's, every year.
- Apply through Service Canada online or by phone.
- Check your province does not claw it back.
Add the Canada Workers Benefit Calculator and GST Credit Calculator, and plan for 65 with the GIS Calculator.
Features
2026-27 amounts
Up to $204.20 a month, indexed 2.1% from July 2026.
Working income exemption
Up to $10,210 single or $14,294 couple not counted.
Couple rules
20% reduction, or 10% each when both partners qualify.
When to use it
Working with a disability
See how earnings affect the benefit. Add the Canada Workers Benefit Calculator.
Low-income families
Combine with the GST Credit Calculator.
Planning ahead
The benefit stops at 65; check the GIS Calculator for later.
Couples
See whether both partners qualifying changes the amount.
Related Benefits and Retirement tasks
Frequently asked questions
How much is the Canada Disability Benefit?
Up to $204.20 a month, or $2,450.40 a year, for July 2026 to June 2027. It was $200 a month in the first benefit year.
Who is eligible?
People aged 18 to 64 who are approved for the disability tax credit, have filed their tax return (and their spouse's), and are residents of Canada.
How does income reduce it?
It is reduced by 20 cents for each dollar of adjusted family net income above $23,483 for a single person or $33,182.50 for a couple, after the working income exemption.
What is the working income exemption?
Up to $10,210 of employment and self-employment income for a single person, or $14,294 for a couple, is not counted.
What if both partners are eligible?
Each partner can get the benefit, and each is reduced by only 10% of income above the couple threshold.
Which year's income is used?
Payments from July 2026 to June 2027 use your 2025 tax return.
Is it taxable?
No. It is tax-free and does not count as income for other federal benefits.
When is it paid?
Monthly, usually on the third Thursday. If your yearly amount is $240 or less, it may be paid as one lump sum.
Does it affect provincial disability support?
The federal government asked provinces not to claw it back, and most have agreed to exempt it, but check your province's rules.
How do I apply for the Canada Disability Benefit?
Apply through Service Canada online, by phone or in person once you have the disability tax credit and have filed your tax return, and your spouse's if you have one. Payments can be backdated for a limited time, so apply as soon as you are eligible.
What happens when I turn 65?
The Canada Disability Benefit stops the month after you turn 65. You would then apply for Old Age Security and, if your income is low, the Guaranteed Income Supplement.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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