RDSP Bond (CDSB) Calculator

Find out exactly how much Canada Disability Savings Bond you qualify for - no contribution required.

Your annual bond

$1,000

Projected lifetime bond

$19,000

No contribution required

You receive the bond automatically each year you are DTC-eligible, have an open RDSP, and file your taxes.

Remaining contribution room
$200,000
$200,000 lifetime cap
Remaining CDSG room
$70,000
$70,000 lifetime cap
Remaining CDSB room
$20,000
$20,000 lifetime cap
CDSG carry-forward room (10-year window)
$17,500
Annual catch-up cap: $10,500 (low income tier).
CDSB carry-forward room (10-year window)
$5,000
Annual claim cap: $11,000 ($1,000 + $10,000 prior years).

Estimate as of 2026, subject to federal ESDC/CRA parameters.

Your bond eligibility details

The bond is paid until the end of the year the beneficiary turns 49.

Lower income = larger annual bond.

Auto-calculated from current age, but you can override.

Already contributed and received

Optional

If the RDSP already exists, these fields adjust the projection to respect lifetime caps ($200,000 contributions, $70,000 CDSG, $20,000 CDSB) and enable the 10-year carry-forward.

$1,000
Your annual bond
$19,000
Projected lifetime bond
$1,000
Max annual bond
$20,000
CDSB lifetime cap

Eligibility status

Your family income ($32,000) is below the $35,000 threshold - you qualify for the full $1,000/year bond. No contribution required.

Bond by income tier

Family net incomeAnnual bondWhat it means
≤ $35,000$1,000 (full bond)Maximum eligibility - no contributions needed.
$35,001 – $53,359Partial (calculated)Linear phase-out based on income.
> $53,359$0Above the threshold - no bond payable.

2025 thresholds, indexed annually. Family net income is what was reported to the CRA for the prior tax year (e.g., 2024 income determines the 2026 bond).

The CDSB: free money, no contribution required

The Canada Disability Savings Bond (CDSB) is one of the most under-claimed federal benefits. Unlike the CDSG matching grant, the bond requires no contributions whatsoever. If you qualify for the Disability Tax Credit (DTC) and your family net income is below the threshold, you receive up to $1,000 per year simply by having an open RDSP and filing your taxes.

Over 20 years, the bond alone reaches $20,000 - its lifetime cap. Compounded inside the tax-sheltered RDSP, an untouched bond can grow to $40,000–$60,000 by retirement age. For low-income Canadians, it is often the single most efficient savings vehicle available.

Steps to claim it: (1) get a T2201 DTC certificate from your medical practitioner, (2) open an RDSP at a participating institution (RBC, BMO, Desjardins, etc.), (3) file your tax return each year - the bond is deposited automatically.

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Frequently Asked Questions

Last updated: July 2026

The CDSB is a federal government deposit of up to $1,000 per year into the RDSP of low-income, DTC-eligible Canadians. Unlike the CDSG matching grant, the bond requires no personal contribution — the only condition is having an open RDSP and a family net income below the eligibility threshold. The bond is paid to a lifetime maximum of $20,000, and eligibility continues until the end of the year the beneficiary turns 49.

For 2025, the full bond is paid when family net income is at or below $35,000 (indexed yearly). Between $35,001 and $53,359, a partial bond is paid on a linear phase-out: each extra dollar of income reduces the bond proportionally. Above $53,359, no bond is paid. For beneficiaries over 18, "family income" usually means the beneficiary's and their spouse's combined net income; for minors, it means the parents' or caregivers' income.

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Educational tool - estimates only. Not individualized financial, investment, tax, or legal advice. Using it does not create an advisor-client relationship. Rules and figures change; verify against current CRA sources and consult a qualified professional. Editorial policy →