What Does This RDSP Calculator Estimate?
This Canadian RDSP calculator combines personal contributions, the Canada Disability Savings Grant, the Canada Disability Savings Bond and compound investment growth. It also estimates how the projected balance could translate into an illustrative monthly support amount at a future age. The calculator is designed to help families identify the next practical step—not simply display a final number.
Government money
Estimate current-year and future grants and bonds using 2026 income thresholds and remaining lifetime limits.
Long-term growth
Project the RDSP value using monthly contributions, annual top-ups, contribution increases and an assumed return.
Smart suggestions
See how much more may be needed for the available grant, whether a bond may apply and where planning gaps remain.
RDSP Grant and Bond Amounts for 2026
For 2026 transactions, the Government of Canada uses three indexed income thresholds: $38,237 for the full bond phase-out starting point, $58,523 where the bond reaches zero, and $117,045 for the enhanced grant matching tier. The applicable income generally comes from the 2024 tax return.
| 2026 adjusted family net income | Canada Disability Savings Grant | Canada Disability Savings Bond | Typical action |
|---|---|---|---|
| $38,237 or less | Up to $3,500 on a $1,500 contribution | Up to $1,000 with no contribution required | File tax returns and consider contributing $1,500 to target the full current-year grant. |
| More than $38,237 but less than $58,523 | Up to $3,500 on a $1,500 contribution | Partial bond under the legislated phase-out formula | Use the calculator to estimate the bond and grant together. |
| $58,523 to $117,045 | Up to $3,500 on a $1,500 contribution | No current-year bond | Focus contributions on the 300% and 200% grant tiers. |
| More than $117,045 | Up to $1,000 on the first $1,000 contributed | No current-year bond | Contribute at least $1,000 when maximizing the current-year grant is the goal. |
How to Use the RDSP Calculator
Who May Be Eligible for an RDSP?
A person can generally be named as an RDSP beneficiary when the person is approved for the Disability Tax Credit, has a valid Social Insurance Number and is a resident of Canada when the plan is opened. The beneficiary must also be within the age limit for opening and contributing to the plan. A parent, legal representative or the beneficiary may be able to act as the plan holder depending on age and contractual capacity.
RDSP eligibility is connected to DTC approval, but DTC approval does not automatically open an RDSP. The plan must be opened with a participating financial institution and the grant-and-bond application must be completed. Tax returns should be filed even when the beneficiary has little or no taxable income because grant and bond amounts depend on income information.
Need Help Interpreting the RDSP Numbers?
Pankaj Bhatia can help review the beneficiary's age, available grant and bond room, contribution strategy, investment horizon and the annual Statement of Entitlement. The goal is to turn the calculator result into a practical plan.
Frequently Asked Questions About RDSPs in Canada
These answers are written in direct, natural language so they are easy for visitors, voice search and AI search systems to understand. Program rules can change, so confirm individual eligibility before contributing or withdrawing.
What is an RDSP?
A Registered Disability Savings Plan is a long-term Canadian savings plan for a person approved for the Disability Tax Credit. It can hold personal contributions, Canada Disability Savings Grants, Canada Disability Savings Bonds and investment earnings.
Who qualifies to open an RDSP?
The beneficiary generally must be approved for the Disability Tax Credit, have a valid Social Insurance Number and be a Canadian resident when the RDSP is opened. The holder who signs the plan can depend on the beneficiary's age and legal capacity.
How much RDSP grant can I receive in 2026?
With 2026 adjusted family net income of $117,045 or less, the government can match the first $500 at 300% and the next $1,000 at 200%. A $1,500 contribution can therefore produce up to $3,500 of current-year grant. Above that income threshold, the grant is generally 100% on the first $1,000.
How much is the Canada Disability Savings Bond in 2026?
The annual bond is up to $1,000 when adjusted family net income is $38,237 or less. It gradually decreases between $38,237 and $58,523 and reaches zero at $58,523. No personal contribution is required to receive an eligible bond.
Can I receive an RDSP bond without contributing?
Yes. The Canada Disability Savings Bond is based on income and does not require a personal contribution. The beneficiary still needs an RDSP, the required application and filed tax returns.
What is the lifetime RDSP contribution limit?
The lifetime personal contribution limit is $200,000 for one beneficiary. There is no annual personal contribution limit, but contributions above the amount needed for the available grant may not receive matching money.
What are the lifetime grant and bond limits?
The lifetime Canada Disability Savings Grant limit is $70,000. The lifetime Canada Disability Savings Bond limit is $20,000.
When do RDSP grants and bonds stop?
Grant and bond payments are generally available until December 31 of the year the beneficiary turns 49. Personal contributions can continue until December 31 of the year the beneficiary turns 59.
Can unused RDSP grant room be carried forward?
Yes. Eligible unused grant and bond entitlements from up to the previous 10 years can be carried forward. The most that can be paid in one calendar year is generally $10,500 of grant and $11,000 of bond, including current-year entitlement.
How do I know how much to contribute for RDSP catch-up grants?
Review the annual Statement of Entitlement sent to the plan holder. It shows the grant available and the contribution needed to receive it. Carry-forward calculations use historical income and DTC eligibility, so the statement is more reliable than a simple current-income estimate.
Whose income determines the RDSP grant and bond?
Until the end of the year the beneficiary turns 18, the calculation generally uses the parents' or guardians' income. Starting in the year the beneficiary turns 19, it generally uses the beneficiary's income plus a spouse or common-law partner's income, when applicable.
Which income-tax year is used for 2026 RDSP incentives?
The 2026 grant and bond calculation uses adjusted family net income from 2024, the second preceding taxation year.
Are RDSP contributions tax deductible?
No. Personal RDSP contributions are not tax deductible. Personal contributions are generally not taxable when withdrawn, while grants, bonds, rollovers and investment earnings are generally included in the beneficiary's income when paid out.
When can money be withdrawn from an RDSP?
Withdrawals may be requested earlier if the plan terms allow, but regular lifetime disability assistance payments must begin by the end of the year the beneficiary turns 60. Early withdrawals can trigger repayment of recent grants and bonds.
What is the RDSP 10-year repayment rule?
When a withdrawal is made, grants and bonds paid during the relevant previous 10-year period may have to be repaid. The repayment is generally $3 for every $1 withdrawn, up to the applicable assistance holdback amount.
Does an RDSP affect ODSP benefits in Ontario?
Ontario's ODSP policy states that all money held in an RDSP is fully exempt as an asset, with no maximum for that exemption. RDSP withdrawals are also generally exempt as income for ODSP purposes. A caseworker or qualified advisor should confirm the treatment of a specific payment.
What happens if the beneficiary loses DTC approval?
The RDSP does not necessarily have to close only because DTC approval is lost. New grants and bonds generally stop, and special repayment and withdrawal rules may apply. The plan issuer should review the beneficiary's specific dates and options.
Can family members contribute to an RDSP?
Yes. Anyone can generally contribute with the written permission of the plan holder. All personal contributions count toward the beneficiary's $200,000 lifetime limit.
Can an RRSP or RRIF be rolled into an RDSP?
In certain circumstances, eligible retirement savings of a deceased parent or grandparent can be rolled over on a tax-deferred basis to the RDSP of a financially dependent child or grandchild. The rollover uses contribution room and does not attract a matching grant.
Is an RDSP only for retirement?
The RDSP is designed for long-term financial security, and recurring payments must begin by age 60. Money can sometimes be withdrawn earlier, but the withdrawal may trigger grant and bond repayment, so timing should be reviewed before taking funds out.
Official Sources and Important Notes
This page was reviewed on July 29, 2026. The calculator uses published federal thresholds and general RDSP rules available on that date.