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JENEL BENZIESFinancial Services ProfessionalBC & ON
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RDSP Disability Savings Calculator

Explore how personal savings and potentially available government grants and bonds could help build long-term disability savings. Adjust the inputs to explore different possibilities.

This is an educational illustration with example values, not financial advice. Results are hypothetical and not guaranteed.

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Your numbers

From 0 to 59 years. Personal contributions are generally allowed until the end of the year the beneficiary turns 59; grants and bonds are paid until the end of the year they turn 49.

Hypothetical, not guaranteed. You can use 0% to see contributions only.

%

Personal contributions and rollovers already counted toward the $200,000 lifetime limit, if you know them (see plan statements or CRA My Account). The existing balance is never used to infer this.

Your estimated RDSP savings

$87,500

Projected to the end of each year, labeled with the beneficiary's age at that point (an approximation, without birthday precision). Figures rounded to the nearest $100. Hypothetical; not guaranteed.

Starting savings
$0
Your contributions
$45,000
Hypothetical investment growth
$42,500
See the numbers in a table
Estimated composition of RDSP savings by the beneficiary's age. The first point is the starting balance today.
Beneficiary's ageStarting savingsYour contributionsHypothetical growthTotal
10$0$0$0$0
15$0$7,500$949$8,449
20$0$15,000$3,730$18,730
25$0$22,500$8,737$31,237
30$0$30,000$16,454$46,454
35$0$37,500$27,468$64,968
40$0$45,000$42,493$87,493

Some intermediate years are omitted for clarity.

Final amount: $87,493

Any withdrawal from an RDSP can trigger repayment of government amounts: under the general proportional repayment rule, a withdrawal may require repaying $3 in grants or bonds for every $1 withdrawn, up to the applicable assistance holdback amount. Timing matters: grants and bonds received in the previous 10 years can affect repayment, and exceptions and additional rules exist. Original personal contributions are generally returned tax-free, while grant, bond and investment-income portions may be taxed as the beneficiary's income. This calculator does not estimate how much could be available to withdraw, nor any individual repayment or tax amount.

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How does an RDSP work?

An RDSP, Registered Disability Savings Plan, is a registered long-term savings account for a person with a disability. To open one, the beneficiary must be eligible for the Disability Tax Credit (DTC), have a social insurance number and be a resident of Canada.

The government may add money in two ways. The Canada Disability Savings Grant (CDSG) matches personal contributions: up to 300% of the first $500 and 200% of the next $1,000 depending on family income, with a $3,500 annual maximum and a $70,000 lifetime maximum. For adjusted family net income above $117,045 (2026), the grant is 100% of the first $1,000 in contributions, up to $1,000 per year. The Canada Disability Savings Bond (CDSB) may be available up to $1,000 per year ($20,000 lifetime maximum) for families with lower incomes, without requiring personal contributions.

Personal contributions can be made until the end of the calendar year the beneficiary turns 59. Grants and bonds are paid until the end of the year they turn 49. Starting in the year the beneficiary turns 60, RDSP withdrawals and lifetime disability assistance payments follow separate rules, with tax consequences; those payments are a separate planning topic not covered by this calculator.

Grant and bond eligibility depends on income. For beneficiaries under 19, the applicable income is the family income used for the Canada Child Benefit; from the year the beneficiary turns 19, it switches to the beneficiary's own income (and their spouse's, if applicable). Income thresholds change every year, so the 2026 thresholds used here are not guaranteed for future years.

Withdrawing money from an RDSP can trigger repayment of government amounts. Under the general proportional repayment rule, a withdrawal may require repaying $3 in grants or bonds for every $1 withdrawn, up to the assistance holdback amount. Grants and bonds received in the previous 10 years can affect repayment, and exceptions exist. Personal contributions are generally returned tax-free; grant, bond and investment-income portions may be taxed as the beneficiary's income.

Assumptions and limitations

  • The annual contribution is assumed deposited at the start of each projection year. The first point is the starting balance today; each following point is the balance at the end of a projection year, labeled with the beneficiary's approximate age at that point (years are labeled by age, without birthday or calendar-year precision).
  • The final contribution year begins while the beneficiary is 59 and is labeled about 60 at its end; it is included because contributions are permitted until December 31 of the calendar year the beneficiary turns 59, and it assumes that birthday falls in the calendar year in which the projection year begins. The same convention applies to grants and bonds in the calendar year the beneficiary turns 49. If one of those birthdays already fell in a previous calendar year, the corresponding final year would not apply.
  • Grants and bonds are modelled as received in the year they are earned; real payment depends on applications and the plan promoter.
  • Growth compounds annually at the hypothetical rate you choose. 0% is allowed.
  • Investment fees and inflation are not included; figures are in future dollars.
  • Carry-forward entitlements from earlier years (catch-up) and past contribution histories are never modelled or invented.
  • 2026 thresholds (ESDC, notice 577): $38,237, $58,523 and $117,045. Grants follow the 300% and 200% matching structure up to $117,045 and 100% of the first $1,000 above it; the bond is full below $38,237, prorated between $38,237 and $58,523, and not paid at or above $58,523. Lifetime maximums ($70,000 grants, $20,000 bonds) are applied only when you indicate none have been received yet. The 2026 thresholds are not guaranteed across long projections.
  • For beneficiaries under 19, the income entered stands for the family income (Canada Child Benefit basis) and is used only through the year the beneficiary turns 18; later incentive years are excluded rather than using parental income. For beneficiaries 19 and older, the entered band is an illustrative constant-income scenario on the beneficiary's side.
  • DTC eligibility is required to open an RDSP and receive grants and bonds. If it is not confirmed, only personal savings are illustrated, which does not establish eligibility. If a beneficiary has lost DTC approval, the rules change and require individual review.
  • The $200,000 lifetime limit applies to personal contributions and certain rollovers; grants, bonds and investment earnings never count toward it. The tool never infers past contributions from the existing balance. When planned contributions exceed the limit or the remaining room, the projection includes only the contributions that fit, shows the excluded excess separately, and never silently changes your inputs.
  • Withdrawals, lifetime disability assistance payments, the assistance holdback, repayment of grants and bonds, and taxes on withdrawals are not modelled; they are explained as educational considerations.
  • Figures are rounded to the nearest $100 for readability.

Official sources

These calculations are illustrations based on your inputs and assumptions. Actual results, program eligibility, tax treatment, and investment performance may differ. Rules as of 2026; last reviewed October 2026.