Canada Disability Benefit Calculator 2025/26

The maximum Canada Disability Benefit is $204.20 per month — $2,450.40 a year — for the July 2026 to June 2027 benefit period (up from $200/month for July 2025 to June 2026). That is the full amount before any income-based reduction; higher income lowers it on a sliding scale.

The CDB is for working-age adults aged 18 to 64 who hold a valid Disability Tax Credit (DTC) certificate. If you are under 18 or 65 or older, this benefit does not apply — other supports cover those age groups. The calculator marks you ineligible if your age falls outside the 18–64 range.

Yes — a valid DTC certificate is mandatory. The Disability Tax Credit is approved by the Canada Revenue Agency, and without an approved DTC you cannot receive the CDB regardless of your age or income. If you do not yet have one, applying for and being approved for the DTC is the first step.

Above an income threshold the benefit is reduced by 20 cents for every dollar of income over the limit. For a single person the threshold is $23,000. A working income exemption applies first — up to $10,210 of employment, self-employment, or taxable scholarship income ($14,294 combined for couples) is excluded before the threshold test, so working applicants can earn more before the benefit starts tapering.

Yes. The calculator applies a higher income threshold for couples — a fixed $32,500 combined income (not simply 1.5 times the single threshold) — before the 20% reduction starts. Tick the couple option so the phase-out is measured against the couple figure and the couple working-income exemption ($14,294) rather than the single-person amounts.

It can, depending on your province. In Alberta, the CDB is clawed back from AISH dollar-for-dollar, so your net gain may be reduced. In Ontario, ODSP rules may adjust for the CDB. Provincial interactions vary, so confirm how your province treats the benefit before counting on the full amount.