ODSP earnings estimator

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

Many people fear that earning money will cancel ODSP. Ontario's rules usually leave you with more total income when you work. This estimator shows only how employment earnings change your income support, using the same exemption and reduction rules as ontario.ca.

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.

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)Your spouse or adult child (18+, not a full-time student)Full-time high school or postsecondary student

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.

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.

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.

Browse all guides and tools

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.