ODSP earnings, income, and deduction calculator

Already receiving ODSP? This ODSP earnings calculator estimates how much you can earn from work or training and how your monthly payment could change. It covers the $1,000 monthly exemption and 75% deduction above it for a person with a disability, different rules for spouses and students, and the $100 Work-Related Benefit when its conditions are met.

This estimates the effect of earnings. It does not decide whether you qualify or calculate your full ODSP payment. For amounts and applying, use the ODSP guide. Back to the ODSP guide

This models earnings against the payment you enter, treated as support before these earnings and without the Work-Related Benefit. A current payment may already include earnings adjustments or supplements; confirm the starting amount with your caseworker. It does not calculate your base ODSP amount or assess full financial eligibility, including assets and other income. Report earnings monthly.

Ontario rules (2026)

Updated 2026-09-05

ODSP is Ontario's disability income support. This estimator shows how working and earning affects your monthly payment.

Your monthly take-home pay from work

Use take-home pay after income tax, CPP, and EI. ODSP generally starts from this net amount. Child support, spousal support, and garnishments taken off your pay are usually added back when ODSP calculates earnings. Do not add back ordinary tax, CPP, or EI. Tips with no deductions count as earnings. Confirm unusual payroll items with your caseworker.

Who is earning?

A person with a disability or qualifying prescribed-class member (you or your spouse)Use this rule for an ODSP benefit-unit member recognized as a person with a disability or qualifying member of a prescribed class, including an eligible spouse. Confirm prescribed-class status with ODSP if unsure; do not automatically choose the ordinary non-disabled category. The first $1,000/month is exempt; 75% of earnings above that counts before confirmed allowable deductions.A spouse or dependent adult without a disability or qualifying prescribed-class status (18+, no confirmed student exemption)The first $200/month of their take-home pay is ignored. Above $200, half of their pay is ignored before ODSP is reduced.Student with an ODSP-confirmed earnings exemptionUse this category only when ODSP confirms the student earnings exemption applies. For postsecondary study, an eligible program and the applicable course-load rules are required; the institution's full-time or part-time label alone is not enough. Confirm secondary-school eligibility and any pre-study period with your caseworker too. Qualifying earnings are fully exempt, with no Work-Related Benefit during that exemption.

Optional: confirmed allowable monthly work deductions ($)

Enter the allowable deduction confirmed with ODSP, not total spending. Child care must enable work or training: eligible licensed care or school-board extended-day fees use actual costs; unlicensed care is capped at $600 per child per month. Exclude reimbursed or reimbursable costs and payments to a member of your benefit unit. Household conditions also apply; confirm them with your caseworker. Disability-related employment expenses must be necessary, verified and not reimbursable, up to $1,000/month. Add only confirmed allowable amounts. A blank field models no deduction; it does not mean your costs are ineligible.

Your current monthly ODSP payment (optional)

Add my current ODSP monthly payment to show my total income (pay + ODSP)

Estimated impact this month

Enter a valid monthly take-home pay amount to see the estimate. If you entered work deductions, check that amount too. Use non-negative amounts with no more than two decimal places.

The $100 Work-Related Benefit is conditional on financial eligibility. It is not estimated without a starting payment and is not added when ordinary support reaches zero in this scenario. Confirm your eligibility and starting payment with your caseworker. Working and earning on ODSP

Rules in brief (ontario.ca)

Person with a disability or qualifying prescribed-class member, including an eligible spouse: the first $1,000/month is exempt. Of earnings above that, 25% is exempt and 75% counts, before confirmed allowable work deductions. Confirm your category with ODSP if unsure.
Other spouse or dependent adult (18+, neither disability/prescribed-class status nor a confirmed student exemption): the first $200/month is exempt. ODSP counts half of earnings above that, less confirmed allowable work deductions.
ODSP-confirmed student earnings exemption: qualifying earnings are fully ignored, with no Work-Related Benefit during that exemption. Confirm eligible study, course load and any pre-study period with ODSP; this tool does not decide student eligibility.
The $100 Work-Related Benefit requires financial eligibility before it is added. It cannot restore eligibility when ordinary income support reaches zero in this scenario. Confirm with your caseworker.

Report all earnings to ODSP every month. This is an estimate only; confirm with your caseworker.

Working and earning on ODSP (ontario.ca)

Compare earnings scenarios across programs

See how a change in employment income may affect your overall monthly resources before tax.

Working While on Disability Calculator

Other provincial disability earnings tools

Each province uses different exemption rules. These standalone estimators are separate from the main benefits quiz and from each other.

Back to the ODSP guide

Official ontario.ca pages last reviewed for this guide: 2026-09-05. Amounts reflect those pages and may change each July with inflation.