♿ RDSP Grant & Bond Calculator
The Registered Disability Savings Plan pays up to $3 in grant for every $1 you contribute, plus up to $1,000 a year in bonds that need no contribution at all. See exactly what you would collect.
Your situation
Grants and bonds stop at the end of the year they turn 49
Parents' income under 19; the beneficiary's own income from 19 onward
$1,500 a year captures the full grant at lower incomes
0–10. Years since 2008 (or DTC approval) with no contributions
The government would add $83,332
On $46,500 of your own contributions — that is 1.79 government dollars for every dollar you put in, before any investment growth.
Your contributions
$46,500
Grant (CDSG)
$70,000
Bond (CDSB)
$13,332
Investment growth
$220,492
Projected balance at age 60
$350,325
How the plan builds
Where your income puts you
- Grant match
- 300% on the first $500, 200% on the next $1,000
Up to $3,500 a year on a $1,500 contribution - Bond entitlement
- $667 a year
No contribution required
Full bond at $38,237 of family net income or less, phasing out to nothing at $58,523. Enhanced grant matching applies at $117,045 or less.
What this assumes
- You need DTC approval first. An RDSP cannot be opened without the Disability Tax Credit. Here is how to apply →
- Income and contributions stay flat. Real life varies. Re-run it when your situation changes — especially the year the beneficiary turns 19, when the income test switches from family income to their own.
- Carry-forward is matched at today’s rates. The CRA actually applies the rates from each historical year, oldest first. If your income was different back then, your real grant will differ somewhat.
- Withdrawing early is expensive. For every $1 taken out, $3 of grant and bond is repaid, up to the total paid in the previous 10 years.
- Your provincial benefits are safe. Every province and territory fully exempts RDSP assets and withdrawals from disability benefit calculations.
Estimates for educational purposes only, using 2026 program rules. Confirm your entitlement with Employment and Social Development Canada or your financial institution. Consult a financial professional for personalized advice.