Disability Tax Credit Calculator Canada 2025
Estimate your DTC tax savings, retroactive lump sum, Child DTC benefits, and the new Canada Disability Benefit (CDB) — up to $200/month starting June 2025.
Estimates based on 2025 federal and provincial rates. Individual circumstances vary. Not financial or medical advice.
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How to Use This Calculator
Tab "DTC Estimate"
Select your province or territory, whether you are an adult or child applicant, and how many retroactive years you want to claim (up to 10). The calculator shows your federal and provincial DTC credit, annual savings, and potential retroactive lump sum. It also lists what DTC approval unlocks — RDSP, CDB, and additional CCB amounts.
Tab "Child DTC"
Enter the number of children approved for the DTC, your province, and whether you receive the Canada Child Benefit. The calculator shows the DTC credit per child (including the child supplement), the Child Disability Benefit paid through CCB, and total family benefits.
Tab "Canada Disability Benefit"
Enter your age, DTC approval status, annual income, and marital status. The CDB is a new cash payment (launched June 2025) of up to $200/month for working-age adults with an approved DTC. The calculator estimates your monthly and annual CDB amount based on the income test, and shows the combined value with the DTC.
The Formulas
Credit = Base disability amount x 15%
2025: $10,138 x 15% = $1,521
Child supplement:
Additional credit = $5,914 x 15% = $887
Total child DTC = $1,521 + $887 = $2,408 (federal)
Provincial DTC credit:
Varies by province — ON: $522, BC: $430, AB: $1,088, SK: $630, MB: $430, QC: separate system
Retroactive lump sum:
Lump sum = Annual DTC value x (retroactive years + current year)
Canada Disability Benefit (CDB) income test:
Maximum CDB = $200/month ($2,400/year)
Single threshold: ~$23,000 | Couple threshold: ~$32,500
Reduction: ~$0.20 per $1 of income above threshold
Child Disability Benefit via CCB:
Up to $3,475/year per eligible child (income-tested through CCB)
The DTC is non-refundable — it reduces tax to $0 but cannot generate a refund on its own. Unused portions can be transferred to a supporting family member. The CDB, by contrast, is a direct cash payment.
Example
James — Adult in Ontario, DTC approved, 5 years retroactive
James was approved for the DTC in 2025 and wants to claim retroactively for 5 years (2020-2024) plus the current year (2025).
James receives a retroactive lump sum of $12,258 and ongoing annual benefits of $4,443 between the DTC and CDB. He can also open an RDSP with government matching grants of up to $3,500/year.