Question 1

How much is ODSP in 2026?

Accepted Answer

Following the 1.9% increase effective 1 July 2026, a single recipient can receive up to $1,436 a month $809 in basic needs plus up to $599 for shelter. A couple can receive up to $2,148, and a double disabled couple up to $2,416. Most recipients receive less than the maximum, because the shelter portion is based on actual housing costs.

Question 2

How much can I earn while on ODSP?

Accepted Answer

The first $1,000 per month of net employment income is completely exempt it doesn't reduce your ODSP at all. Above $1,000, your benefit is reduced by 75%, so you keep 25 cents of each additional dollar. You also receive a $100 monthly Work Related Benefit while employed. Working leaves you with more total income than ODSP alone.

Question 3

Why is my ODSP payment less than the maximum?

Accepted Answer

Almost always the shelter component. Shelter is paid based on your actual eligible housing costs up to a maximum so if you pay $400 in rent, you receive $400 for shelter, not the $599 maximum. The headline maximum applies only to people whose shelter costs reach it.

Question 4

Does CPP Disability reduce ODSP?

Accepted Answer

Yes, dollar for dollar. Unlike employment income, CPP D counts as unearned income with no exemption, so each dollar of CPP D reduces ODSP by a dollar. Total income often changes very little on approval, though CPP D has other advantages it isn't asset tested and converts to a CPP retirement pension at 65.

Question 5

Does the Canada Disability Benefit reduce ODSP?

Accepted Answer

No. Ontario has classified the Canada Disability Benefit as exempt income for ODSP purposes, so the two stack in full. A single recipient can receive both, for roughly $1,640 a month combined. You need a valid Disability Tax Credit certificate and a filed tax return to receive the CDB.

Question 6

What is the ODSP asset limit?

Accepted Answer

$40,000 for a single person four times the Ontario Works limit. Your primary residence, one vehicle, tools of the trade, prepaid funerals up to $15,000, and Registered Disability Savings Plans are all exempt. RDSPs have no limit at all, which makes them particularly valuable for ODSP recipients.

Question 7

What's the difference between ODSP and Ontario Works?

Accepted Answer

ODSP pays substantially more $1,436 a month for a single person against $733 and is indexed to inflation, while Ontario Works has been frozen since 2018. ODSP also has a $1,000 monthly earnings exemption against $200, and a $40,000 asset limit against $10,000. Ontario Works is general financial assistance; ODSP is for people with disabilities.

Question 8

How do I appeal an ODSP decision?

Accepted Answer

First request an internal review from your local ODSP office within 30 days of the decision letter. If that's unsuccessful, appeal to the Social Benefits Tribunal within 30 days of the internal review decision. Both deadlines are strict. Ontario's community legal clinics represent people in ODSP appeals free of charge you don't need to pay for this.

Question 9

How long does an ODSP application take?

Accepted Answer

Typically around 90 days from first contact to decision, covering both financial eligibility and disability determination. Financial eligibility alone is usually decided within about 15 business days of complete documents. Ontario Works may be available as interim support while you wait.

Question 10

Can I have an RDSP while on ODSP?

Accepted Answer

Yes, and it's exempt with no limit an RDSP doesn't count toward the $40,000 asset limit at all. RDSPs also attract federal grants and bonds, with the bond available to low income individuals without requiring contributions. You need a Disability Tax Credit certificate to open one.

Question 11

Is ODSP available outside Ontario?

Accepted Answer

No. ODSP is an Ontario programme for Ontario residents. Alberta's equivalent is AISH, and British Columbia's is Disability Assistance for Persons with Disabilities. Each province and territory has its own programme with different amounts and rules.

Question 12

Is this calculator free?

Accepted Answer

Yes. No account, no email, no limits and we don't sell application or appeal services.

Household	Maximum monthly
Single	$1,436 ($809 basic + up to $599 shelter)
Couple	$2,148
Double disabled couple	$2,416

ODSP Calculator

ODSP Calculator Canada

What ODSP Is

Current Rates (Indexed Every July)

Working on ODSP You Keep the First $1,000

$1,000 Monthly Exemption

CPP Disability vs Canada Disability Benefit

ODSP vs Ontario Works

Why Use the CalcVault ODSP Calculator

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ODSP FAQs

Sources and Disclaimer

Feature	ODSP	Ontario Works
Single Max Monthly	$1,436	$733
Earnings Exemption	$1,000/mo (then 75%)	$200/mo (then 50%)
Asset Limit (Single)	$40,000	$10,000