Canadian · Federal benefits
Canada Disability Benefit calculator.
The Canada Disability Benefit (CDB) is a new federal benefit for working-age people approved for the Disability Tax Credit — separate from provincial disability assistance. Estimate your amount for July 2026-June 2027 from Canada.ca's own published figures.
The maximum is $204.20 per month ($2,450.40/year) for the current payment period. It phases out at 20% of adjusted family net income above $23,000 for a single person or $32,500 for a couple (or 10% each if both partners are eligible), after exempting the first $10,000 (single) or $14,000 (couple) of working income.
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Estimated CDB
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Who can get the CDB
You must be 18 to 64 years old, approved for the Disability Tax Credit (DTC), and a Canadian resident for tax purposes with a qualifying status: citizen, permanent resident, a person registered under the Indian Act, a protected person, or a temporary resident who has lived in Canada for the previous 18 months. You (and your spouse or common-law partner, if you have one) must also have filed the relevant year's tax return.
How the reduction works
Once your (family) adjusted net income passes the threshold, the benefit is reduced by a set percentage for every dollar over. The threshold and rate depend on your household:
| Situation | AFNI threshold | Reduction rate | Working income exemption |
|---|---|---|---|
| Single / separated / divorced / widowed | $23,000 | 20% per dollar over | $10,000 |
| Couple, one partner eligible | $32,500 | 20% per dollar over | $14,000 (combined) |
| Couple, both partners eligible | $32,500 | 10% each, per dollar over | $14,000 (combined) |
The working income exemption excludes the first portion of employment or self-employment earnings from the income test — it does not exempt other income types like investment income or pension income. When both partners in a couple are CDB-eligible, the household's total reduction (20% of the excess) is the same as when only one is eligible — it's simply split evenly between the two individual benefits (10% each) rather than concentrated in one.
Sources, fetched 26 September 2026: Canada.ca — Canada Disability Benefit, Canada.ca — eligibility, Canada.ca — how the benefit is calculated.
Frequently asked questions
Is the Canada Disability Benefit the same as the Disability Tax Credit?
No. The Disability Tax Credit (DTC) is a non-refundable tax credit, and DTC approval is a precondition for CDB eligibility — but the CDB itself is a separate monthly cash benefit, income-tested, paid on top of the DTC.
Does the CDB replace provincial disability assistance?
No, it's a separate federal program. Some provinces have adjusted how their own disability assistance interacts with the CDB, but the CDB itself is paid by the federal government regardless of provincial rules.
Why did the maximum amount change between benefit years?
Like many federal benefits, the CDB maximum is indexed. The July 2025-June 2026 maximum was $200.00/month; for July 2026-June 2027 it rose to $204.20/month.
What if I turn 65 while receiving the CDB?
Eligibility ends the month you turn 65. Someone who applies after already being 65 or older may still receive back payments for up to 24 months from their application date, up to the month they turned 65 — this calculator doesn't model that back-payment scenario.
Estimate only — not legal or tax advice
This tool estimates the federal Canada Disability Benefit for the payment period selected, using Canada.ca's own published amounts and thresholds. It does not model the incarceration exclusion, mid-year age-in/age-out proration, or back-payment rules for late applicants. Confirm your exact entitlement with Service Canada.