Canadian Dental Care Plan calculator
Enter your family net income and your answers to the eligibility questions. You see whether you meet the requirements and the share of CDCP fees you would pay.
Free · no signup Runs in your browser
Working with a different rate? Edit the rates this calculator uses
These are the figures we verified on 2026-10-23. Change them to work with a historic period, or with a new rate that has been announced but which we have not published yet.
How much do I pay under the Canadian Dental Care Plan?
It depends on your adjusted family net income. Under $70,000 you pay no co-payment, from $70,000 to $79,999 you pay 40% of the CDCP established fees, and from $80,000 to $89,999 you pay 60%. At $90,000 or more you do not qualify. A family net income of $82,500 is in the 60% band, but with $5,000 of RDSP income received it counts as $77,500 and falls in the 40% band.
Why we built this calculator
The Canadian Dental Care Plan looks simple, but two questions trip people up: which income counts, and what percentage they will actually pay. The income is not just your own. It is your adjusted family net income, which combines you and your spouse or common-law partner and then takes out certain benefit income. Small differences move you between the 0%, 40% and 60% bands.
This calculator does the adjustment and shows your band. The income reported on the Canada.ca pages is from the previous tax year: for 2026-2027 that is 2025. See also the Canada Groceries and Essentials Benefit calculator and the Canada Workers Benefit calculator for other income-tested benefits.
It runs in your browser. Nothing you enter is sent anywhere, and there is no sign-up.
When to use it
- Checking whether you qualify before you apply
- Seeing which co-payment band your family falls in
- Estimating your share of a dental cost at the CDCP fee
- Checking how a drop in income would change your band
Mistakes it helps you avoid
- Using your own income instead of the family figure.
- Forgetting to take out UCCB and RDSP income.
- Assuming a provider's charge equals the CDCP fee.
- Missing the renewal: the benefit period ends each June 30.
How your band is worked out
First adjust your family net income, then read the band.
adjusted family net income = family net income (line 23600, you and your spouse or partner)− UCCB and RDSP income received (lines 11700 and 12500)+ UCCB and RDSP amounts repaid (lines 21300 and 23200)under $70,000 you pay 0% of the CDCP established fees$70,000 to $79,999 you pay 40%$80,000 to $89,999 you pay 60%$90,000 or more not eligible
The four requirements on Canada.ca are no access to private dental insurance, having filed your tax return in Canada (and your spouse or partner too), an adjusted family net income under $90,000, and being a Canadian resident for tax purposes. The benefit period ends each year on June 30 and, for 2026-2027, uses the 2025 tax year, according to the April 2026 renewal announcement. The pages do not say whether the thresholds are indexed, so you can change them in the rate fields if they change.
Worked example: $82,500 family net income
You and your spouse have a combined family net income of $82,500, no dental insurance, and filed your returns. You received $5,000 of RDSP income.
- Without the adjustment: $82,500the 60% band
- Take out RDSP income: $82,500 − $5,000$77,500
- Adjusted family net incomebetween $70,000 and $79,999
- Co-payment40%
- On a CDCP fee of $500 you pay$200.00
After the adjustment your family is in the 40% band, so on a $500 CDCP fee you pay $200.00 instead of $300.00.
The RDSP income is removed because the equation subtracts income received from line 23600.
Terms on this page
- Adjusted family net income
- Family net income less UCCB and RDSP income received, plus amounts repaid.
- Co-payment
- The percentage of the CDCP established fees that the plan does not cover.
- Established fees
- The fees the CDCP pays dentists for covered services.
What has changed, and when
Rates on this page have not always been what they are today. If you are working on an earlier period, use the figure that applied at the time rather than the current one.
- 2026-2027 Applications open for the 2026-2027 benefit period; co-payments of 0%, 40% and 60% with a $90,000 limit.
Common questions
What is the income limit for the Canadian Dental Care Plan?
Your adjusted family net income must be less than $90,000.
What is the co-payment?
0% of the CDCP established fees under $70,000, 40% from $70,000 to $79,999 and 60% from $80,000 to $89,999.
Which income year is used?
The previous tax year. For the 2026-2027 benefit period, which ends June 30, 2027, that is your 2025 income.
What are the other requirements?
No access to private dental insurance, a tax return filed in Canada (and your spouse or partner's, if you have one), and being a Canadian resident for tax purposes.
Is there a fee to apply?
No. The apply page says there is no fee to apply or renew.
What to work out next
Where these numbers come from
- Government of Canada — Canadian Dental Care Plan: Who qualifies The four requirements and the adjusted family net income equation; page dated September 22, 2026.
- Government of Canada — Canadian Dental Care Plan: What's covered and co-payments The co-payment table; page dated August 27, 2026.
- Government of Canada — Canadian Dental Care Plan: Apply Applications open for the 2026-2027 benefit period; no fee.
- Government of Canada — Canadian Dental Care Plan: Renew The benefit period ends each year on June 30.
Last verified 2026-10-23 Rates on this page are checked against the sources above at least once a year, and whenever the governing authority announces a change. Spotted something out of date? Tell us and we will fix it.
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