ODSP to RDSP to OAS/GIS Transition Calculator

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Phase 1 - ODSP

Net Monthly Income (Up to Age 59)
$1,640.20
ODSP Tax-Free $1,436.00
Employment Income Taxable $0.00
CPP Disability (CPP-D) Taxable $0.00
Canada Disability Benefit (CDB) Tax-Free $204.20
ODSP/CDB Clawback $0.00
RDSP Monthly LDAP Taxable $0.00
Estimated Income Taxes $0.00
Net Monthly Income $1,640.20

Phase 2 - ODSP & RDSP

Net Monthly Income (Ages 60-64)
$1,712.66
ODSP Tax-Free $1,436.00
Employment Income Taxable $0.00
CPP Disability (CPP-D) Taxable $0.00
Canada Disability Benefit (CDB) Tax-Free $204.20
ODSP/CDB Clawback $0.00
RDSP Monthly LDAP Taxable $72.46
Estimated Income Taxes $0.00
Net Monthly Income $1,712.66

Phase 3 - OAS, GIS & RDSP

Net Monthly Income (Ages 65+)
$1,923.51
Old Age Security (OAS) Taxable $742.31
Guaranteed Income Supplement (GIS) Tax-Free $1,108.74
Canadian Pension Plan (CPP) Taxable $0.00
Private Pension Plan Taxable $0.00
GIS/OAS Clawback $0.00
RDSP Monthly LDAP Taxable $72.46
Estimated Income Taxes $0.00
Net Monthly Income $1,923.51