RDSP Calculator

Calculate your Registered Disability Savings Plan with government grants (up to 300% matching) and bonds

How to use this tool

2026 RDSP Benefits:

  • 300% matching grants on first $500 for families earning ≤$106,717
  • 200% matching on next $1,000 contributed
  • Free bonds up to $1,000/year for low-income families (no contribution required)
  • Lifetime limits: $200,000 contributions, $70,000 grants, $20,000 bonds
  • Must be DTC-eligible Canadian resident under 60 years old
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

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

Plan Details

RDSP must be opened before age 60

Optimal: $1,500/year (300% on first $500 + 200% on next $1,000)

✓ Eligible for $183 bond + 300% + 200% grant matching

Can contribute until end of year beneficiary turns 59

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.

$179,949
Total Long-Term Savings
$73,659
Government Support
$76,289
Tax-Free Growth
246%
Avg Government Matching

Savings Breakdown

Your Contributions$30,000
Canada Disability Grants$70,000
Canada Disability Bonds$3,659
Investment Growth (Tax-Free)$76,289
Total Future Value$179,949

Current Grant & Bond Eligibility

Grant Matching Rate300% + 200%

Get $1,500 on first $500 contributed + $2,000 on next $1,000 = $3,500 max/year

Annual Bond (No contribution needed)$183

Free money deposited automatically for low-income families

Grant Room Remaining$0 / $70,000
Bond Room Remaining$16,341 / $20,000
Contribution Room Remaining$170,000 / $200,000

10-Year Holdback Rule

Government grants and bonds received in the last 10 years must be repaid if withdrawn (except for specified disability-related purposes). Plan long-term to maximize benefits.

Long-Term RDSP Growth

RDSP Tips & Important Information

✅ Eligibility

  • • Must be eligible for Disability Tax Credit (DTC)
  • • Canadian resident with valid SIN
  • • Under 60 years old when RDSP opened
  • • Can be opened by beneficiary, parent, guardian, or legal representative

💰 Grant Matching Rates

  • • Income ≤$106,717: 300% on first $500, 200% on next $1,000
  • • Income >$106,717: 100% on first $1,000
  • • Annual grant max: $3,500 (low income) or $1,000 (higher income)
  • • Lifetime grant maximum: $70,000

🎁 Canada Disability Bond

  • • Income ≤$35,000: Full $1,000 bond annually
  • • Income $35,000-$53,359: Partial bond (phased out)
  • • NO contribution required - automatic if eligible
  • • Lifetime bond maximum: $20,000

📤 Withdrawal Rules

  • • Must begin withdrawals by age 60
  • • Withdrawals taxable in beneficiary's hands (usually low rate)
  • • 10-year holdback: recent grants/bonds must be repaid
  • • Exception: specified disability savings plans allow more flexibility

🎯 Smart Strategies

  • • Open RDSP as early as possible to maximize grants
  • • Low income? Contribute $1,500/year for max $3,500 grant
  • • Even $1 contribution unlocks bonds for low-income families
  • • Can catch up 10 years of unused grant room

⚠️ Important Notes

  • • DTC eligibility must be maintained for grants/bonds
  • • RDSP assets don't affect federal disability benefits
  • • Plan transfers allowed between financial institutions
  • • Family members can contribute (count toward beneficiary's limit)

2026 RDSP Grant & Bond Rates

Family Net IncomeGrant MatchingAnnual BondMax Annual Benefit
≤ $35,000300% + 200%$1,000$4,500
$35,001 - $53,359300% + 200%Partial (phased out)$3,500+
$53,360 - $106,717300% + 200%$0$3,500
> $106,717100%$0$1,000

Example: With $50,000 family income and $1,500 annual contribution, you receive $3,500 in grants (300% × $500 + 200% × $1,000) plus a partial bond. That's over 200% return before any investment growth!

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Frequently Asked Questions

Last updated: July 2026

To open an RDSP, the beneficiary must be a Canadian resident, have a valid Social Insurance Number, be under 60 years old, and be eligible for the Disability Tax Credit (DTC). The DTC requires certification by a medical practitioner using CRA Form T2201.

The CDSG is a matching grant from the federal government. Depending on the beneficiary's family net income, the government matches contributions at 100%, 200%, or 300%, up to $3,500 per year and $70,000 lifetime. Grant matching is available until the end of the year the beneficiary turns 49.

Reviewed by

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 →