ODSP earnings, income, and deduction calculator

Use this tool when you already receive ODSP and want to know how employment income may reduce your monthly payment. It models Ontario's $1,000 earnings exemption, the 75% deduction above that threshold, the $100 Work-Related Benefit, and spouse or student earner rules.

Scope: employment and training income clawback only. This calculator does not calculate your base ODSP payment, screen eligibility, or estimate your full monthly entitlement. For amounts and applying, use the ODSP guide. Back to the ODSP guide

This tool only shows how work affects ODSP. It does not calculate your base ODSP amount (that depends on rent, household size, and your caseworker's review). Optional: enter your current ODSP payment to see total monthly income. Report all earnings to ODSP every month. Confirm with your caseworker.

Ontario rules (2026)

Updated 2026-06-06

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 the amount on your paycheque after tax and other deductions, not your hourly rate times hours. If you are paid tips with no deductions, count the tips.

Who is earning?

You (person with a disability on ODSP)Ontario ignores the first $1,000/month of your take-home pay. Above that, part of your pay still does not count against ODSP before your payment is reduced.Your spouse or adult child (18+, not a full-time student)The first $200/month of their take-home pay is ignored. Above $200, half of their pay is ignored before ODSP is reduced.Full-time high school or postsecondary studentStudent take-home pay is fully ignored (does not reduce ODSP). The Work-Related Benefit does not apply while earnings are fully ignored as a student.

Optional: monthly costs so you can work (child care or disability-related expenses)

Enter what you pay each month for child care, or for disability-related costs that ODSP has already approved. These amounts lower how much ODSP reduces your payment. Leave blank if this does not apply.

Your current monthly ODSP payment (optional)

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

Estimated impact this month

Enter your monthly take-home pay to see the estimated impact.

Estimate only. Report earnings monthly and confirm with your caseworker. Working and earning on ODSP

Rules in brief (ontario.ca)

If you have a disability on ODSP: the first $1,000/month of take-home pay is ignored. Above that, 25% of the extra pay is still ignored. ODSP then reduces your payment by 75% of what's left.
Spouse or adult child without a disability (18+, not a full-time student): the first $200/month is ignored; half of earnings above $200 is ignored; then ODSP reduces support by 50% of what's left.
Full-time high school or postsecondary student: take-home pay is fully ignored (no Work-Related Benefit while fully ignored as a student).
When you report eligible earnings, Ontario may add a $100 Work-Related Benefit.

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

Working and earning on ODSP (ontario.ca)

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: 2026-06-06. Amounts reflect those pages and may change each July with inflation.