The RDSP calculator projects how a Registered Disability Savings Plan grows: personal contributions, the Canada Disability Savings Grant (CDSG), the Canada Disability Savings Bond (CDSB) and investment returns, year by year, to a chosen withdrawal age. The rules behind the grant and bond are explained in the RDSP guide, and the rules for taking money out are on the RDSP withdrawal rules page.
How this RDSP calculator works
Enter the beneficiary’s current age, existing RDSP balance, annual contribution, family income bracket (which sets the grant and bond rates), expected investment return and planned withdrawal age. The calculator projects grants, bonds, investment growth and the balance at the target age.
What it models:
- CDSG matching at 300%, 200% or 100% depending on family income
- The CDSB for lower-income families (up to $1,000/year)
- Lifetime caps ($70,000 CDSG, $20,000 CDSB)
- A year-by-year table of contributions, grants, bonds and growth
The current grant and bond limits:
| Feature | Amount |
|---|---|
| Maximum annual grant | $3,500 |
| Contribution needed for max annual grant | $1,500 |
| Lifetime maximum per beneficiary | $70,000 |
Source: Employment and Social Development Canada – Canada Disability Savings Grant and Bond. Paid until the end of the year the beneficiary turns 49. Amount depends on family income and can include carry-forward from the previous 10 DTC-eligible years (at most $10,500 in grants in a single year, carry-forward included).
| Feature | Amount |
|---|---|
| Maximum annual bond | $1,000 |
| Lifetime maximum per beneficiary | $20,000 |
| RDSP lifetime contribution limit per beneficiary | $200,000 |
Source: Employment and Social Development Canada – Canada Disability Savings Grant and Bond. No contribution required to receive the bond; paid until the end of the year the beneficiary turns 49.
Scenarios to try
Minimum contribution for the full grant. With family income at or below $117,045, a contribution of $1,500 a year attracts the full $3,500 grant. Contributing more adds to the balance but not to the grant. The full matching table is in the RDSP guide’s grant section.
Starting early. Grants and bonds are paid until the end of the year the beneficiary turns 49, so a younger starting age means more years of grants and more time for growth.
Catching up. Unused grant and bond entitlements from the previous 10 years carry forward, but at most $10,500 in grants can be paid in a single year, including the current year’s $3,500. The guide works through a carry-forward example.
Withdrawal age. Withdrawals within 10 years of a grant or bond trigger the assistance holdback, which repays $3 of recent grants and bonds for every $1 withdrawn. The projection does not deduct the holdback, so its balance is fully available only when withdrawals start at least 10 years after the last grant or bond year. The withdrawal rules page covers the holdback, LDAPs and DAPs in full.
What the projection leaves out
- Carry-forward. Grants and bonds for missed earlier years are not added; the projection starts from the current year’s entitlement.
- Exact bond amounts. In the partial-bond income band, the bond is phased out with income; the calculator assumes half the maximum bond ($500 a year).
- Tax on withdrawal. Grants, bonds and growth are taxable when withdrawn; contributions come back tax-free.
- Effects on benefits. RDSP income is excluded from federal income-tested benefits, but withdrawals can reduce provincial benefits in Quebec, New Brunswick and Prince Edward Island. The RDSP guide sets out how the plan interacts with other benefits.
- Eligibility. The projection assumes the beneficiary stays eligible for the Disability Tax Credit every year; grants and bonds stop in years they are not.
Related calculators
- RRSP vs TFSA calculator: compare RRSP and TFSA savings
- TFSA calculator: project TFSA growth
- RESP calculator: CESG and CLB for education savings
- Investment calculator: general growth projections
- Retirement calculator: retirement income
- CPP calculator: Canada Pension Plan benefits
- OAS calculator: Old Age Security payments
Sources
The figures and rules on this page come from these sources, last checked against them on August 29, 2026. How we check facts.
- Employment and Social Development Canada: Registered Disability Savings Plan: how much you could get in grants and bonds