RDSP grant calculator and bond estimator

An RDSP (Registered Disability Savings Plan) is a federal savings account for someone approved for the Disability Tax Credit (DTC). This RDSP grant calculator estimates matching grants and bonds for the current plan year. You can optionally model unused grant room from past DTC years. Grants require DTC approval; bonds may be paid without contributions when income is low enough. Nothing you enter is saved.

How disability benefits stack (federal and provincial) · Canada Disability Benefit guide (working-age adults)

Estimate for 2026 · based on your family income from your 2024 tax return (the government uses income from 2 years ago).

Estimate only. Not legal or financial advice. Confirm details with official sources.

Your situation

Common questions about this RDSP grant calculator

Do I need the Disability Tax Credit to use this calculator?: Yes. Government RDSP grants and bonds require CRA approval of the Disability Tax Credit (DTC) for the beneficiary. If DTC is not approved yet, this tool can show next steps but cannot estimate grants or bonds.
Which family income does the government use?: For each plan year, Employment and Social Development Canada uses adjusted family net income from the tax return filed about two years earlier. Under 19, that is usually a parent or guardian's income; at 19+, it is the beneficiary's income (plus a spouse's when applicable).
How much do I need to contribute to maximize the grant?: At lower incomes, contributing up to $1,500 in a year can receive up to $3,500 in matching grant (300% on the first $500 and 200% on the next $1,000). At higher incomes, only the first $1,000 may match at 100% ($1,000 grant). This tool shows the tier for your entered income.
What are the annual and lifetime limits?: Matching grants are capped at about $3,500 per year and $70,000 lifetime. Bonds are capped at about $1,000 per year and $20,000 lifetime. Grants and bonds generally stop after the beneficiary turns 49.
How accurate is carry-forward?: Carry-forward depends on which DTC years had unused grant room and what was already contributed. MyEligible cannot access your Statement of Entitlement or plan history, so carry-forward here is an illustrative estimate. Confirm unused room with your plan provider before contributing.

RDSP withdrawals and the 10-year holdback

Educational overview only, not financial advice. These rules are summarized from official federal sources on canada.ca and CRA guide RC4460. Your RDSP issuer calculates the holdback and any repayment for your plan. Confirm amounts with your issuer before withdrawing.

Official sources

Withdraw money from your plan (canada.ca)RC4460 Registered Disability Savings Plan (CRA)

RDSP grant calculator and bond estimator

Estimate for 2026 · based on your family income from your 2024 tax return (the government uses income from 2 years ago).

Your situation

Common questions about this RDSP grant calculator

Do I need the Disability Tax Credit to use this calculator?

Yes. Government RDSP grants and bonds require CRA approval of the Disability Tax Credit (DTC) for the beneficiary. If DTC is not approved yet, this tool can show next steps but cannot estimate grants or bonds.

Which family income does the government use?

For each plan year, Employment and Social Development Canada uses adjusted family net income from the tax return filed about two years earlier. Under 19, that is usually a parent or guardian's income; at 19+, it is the beneficiary's income (plus a spouse's when applicable).

How much do I need to contribute to maximize the grant?

At lower incomes, contributing up to $1,500 in a year can receive up to $3,500 in matching grant (300% on the first $500 and 200% on the next $1,000). At higher incomes, only the first $1,000 may match at 100% ($1,000 grant). This tool shows the tier for your entered income.

What are the annual and lifetime limits?

Matching grants are capped at about $3,500 per year and $70,000 lifetime. Bonds are capped at about $1,000 per year and $20,000 lifetime. Grants and bonds generally stop after the beneficiary turns 49.

How accurate is carry-forward?

Carry-forward depends on which DTC years had unused grant room and what was already contributed. MyEligible cannot access your Statement of Entitlement or plan history, so carry-forward here is an illustrative estimate. Confirm unused room with your plan provider before contributing.

RDSP grant calculator and bond estimator

Your situation

Common questions about this RDSP grant calculator

RDSP withdrawals and the 10-year holdback

Lifetime payments (LDAP) and age 60

The 10-year holdback clock

Terms in plain language

What repayment actually means (not a total loss)

Example A: last grant more than 10 years ago

Example B: withdrawal within 10 years of assistance

Shortened life expectancy (SDSP)

Why understanding this helps

Official sources

RDSP grant calculator and bond estimator

Your situation

Common questions about this RDSP grant calculator

RDSP withdrawals and the 10-year holdback

Lifetime payments (LDAP) and age 60

The 10-year holdback clock

Terms in plain language

What repayment actually means (not a total loss)

Example A: last grant more than 10 years ago

Example B: withdrawal within 10 years of assistance

Shortened life expectancy (SDSP)

Why understanding this helps

Official sources