RDSP Grant & Bond

Canada

Estimate grant (CDSG), bond (CDSB), current value, growth, and LDAP for an RDSP. Grant: 300% on first $500, 200% on next $1,000 (max $3,500/year) when family income is at or below the threshold; above that, 100% on first $1,000 (max $1,000/year). Bond phases out with income. This year's grant and bond are based on family income from 2 years ago (e.g. 2024 income for 2026). Beneficiary must be eligible for the DTC. RESP.

Key inputs

Annual contribution

Family net income (2 years ago)

Beneficiary age

Advanced

Current RDSP value

Prior grant received

Prior bond received

Growth rate (contribution phase)

Growth rate (withdrawal phase)

Contribute until (age)

14 years of contributions left (until age 59). Grant matching ends at age 49 (4 years left).

Lump-sum contributions

Enable lump-sum contributions

Government support this year

$3,920

CDSG $3,500

CDSB $420

Lifetime caps: Grant $70,000, Bond $20,000

Projected value at age 60

$70,498

After this year (incl. contribution + grant + bond): $5,420

In 5 years$6,918

In 10 years$8,829

In 20 years$14,381

5/10/20-year values assume no further contributions after this year and 5% annual growth.

LDAP – estimated average annual payments

$4,792

First (age 60)$3,065

Last (age 82)$3,648

Average payment$4,792

Value when withdrawals begin (age 60)$70,498

This year's LDAP (legislated minimum) is $0. LDAPs must begin by the end of the year the beneficiary turns 60. Based on legislated formula and projected value at age 60.

Projected value vs total contributions

Total contributions Projected value (incl. grants & growth)

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Grant and bond based on family income from 2 years ago. Chart assumes growth at 5% until age 60, then 4% during withdrawals. LDAPs follow the legislated minimum formula and continue until the value is depleted or around age 82. For illustration only.

Over this projection: you contribute $22,500, government adds $19,601, investment growth adds $75,850, and LDAP withdrawals total $110,218.

About this calculator

This calculator estimates the Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB) for a Registered Disability Savings Plan (RDSP). RDSPs help Canadians who are eligible for the Disability Tax Credit (DTC) save for the long term; the government adds money through matching grants (CDSG) and, for lower-income beneficiaries, bonds (CDSB). Use it to see how much government support you could receive this year based on your contribution and family income.

Contribution & age rules

How old will the beneficiary be when contributions end? Use "Contribute until (age)" to set when you plan to stop contributing (no contributions past 59). Government grant and bond eligibility end on December 31 of the year the beneficiary turns 49 (no new grant or bond from age 50). To maximize government grants, family and friends should contribute for at least 20 years. Penalties on early withdrawals may be reduced if the beneficiary has a shortened life expectancy (medical certification required). See rdsp.com for more information.

How it works

Income used: This year's grant and bond are based on family net income from 2 years ago (e.g. 2024 income for 2026). ESDC uses the income from the tax return filed for that year.

CDSG (grant): When family income is at or below the second threshold (e.g. $117,045 for 2026), the government matches at 300% on the first $500 and 200% on the next $1,000 (max $3,500/year). When income is above that threshold, the match is 100% on the first $1,000 of contributions (max $1,000/year). Lifetime grant cap is $70,000 per beneficiary.

CDSB (bond): The Canada Disability Savings Bond is paid to RDSPs of eligible low-income beneficiaries; no contribution is required. The bond is full ($1,000/year) when family income is at or below the phase-out level (e.g. $38,237 for 2026), phases out between that and the first threshold (e.g. $58,523), and is $0 when income is at or above the first threshold. Lifetime bond cap is $20,000. Eligibility is set by ESDC.

The RDSP has a lifetime contribution limit of $200,000. The beneficiary must qualify for the DTC. Grant and bond amounts and eligibility are determined by ESDC; confirm with Canada.ca and your RDSP issuer. Not financial or tax advice.

Current value, growth & LDAP

Enter your current RDSP value to see estimated growth (at your chosen rate) and the LDAP formula result (min/max payment for the year). Growth is compound interest only; it does not include future contributions or grant/bond. LDAP uses the legislated formula: plan value ÷ (max(80, age) + 3 − age). LDAPs must begin by the end of the calendar year in which the beneficiary turns 60. For full rules, see Canada.ca RDSP.