RDSP Grant & Bond Maximizer

Find the free government money in a Registered Disability Savings Plan: see this year’s Canada Disability Savings Grant and Bond, how much extra to contribute to capture the full grant, and a year-by-year projection through age 49.

2026 figures: grants match 300% on the first $500 and 200% on the next $1,000 of contributions (up to $3,500/yr) when family income is $117,045 or less; 100% on the first $1,000 (up to $1,000/yr) above that. Bonds pay up to $1,000/yr, phasing out between $38,237 and $58,523. Figures are indexed annually — verify the current year.

Beneficiary birth year

Current age: 30.

Beneficiary is approved for the Disability Tax Credit

An RDSP can only be opened and kept while the beneficiary is DTC-approved.

Adjusted family net income ($/year)

Before age 19 this is the parents’/guardians’ income (CCB-based); from 19 on it is the beneficiary’s plus a spouse/partner’s.

Planned contribution ($/year)

Unused grant entitlements (CRA letter) ($)

Unused bond entitlements (CRA letter) ($)

Your annual CRA/ESDC statement shows unused grant and bond entitlements carried forward (up to 10 years). Enter those exact figures for a precise calculation — otherwise they are estimated from your income.

What’s already in the plan

Contributions made to date ($)

Counts against the $200,000 lifetime contribution limit.

Grants received to date ($)

Lifetime grant limit: $70,000.

Bonds received to date ($)

Lifetime bond limit: $20,000.

Current RDSP balance ($)

Withdrawal-age projection

Expected annual return (%)

Expected inflation (%)

Show projected value at age

Lifetime disability assistance payments (LDAPs) must begin by age 60.

Government money this year

$0 grant · $0 bond

Lifetime limits

Grants$0 of $70,000

Bonds$0 of $20,000

Contributions$0 of $200,000

At age 60, your RDSP could be worth

~$0

Nominal dollars, before tax and withdrawals. Assumes constant income and contributions; grants and bonds stop after age 49, contributions can continue to age 59.

Year-by-year projection (through age 49)

Assumes the same income and contribution every year. Grants and bonds are paid until December 31 of the year the beneficiary turns 49.

Year	Age	Contribution	Grant	Bond	Lifetime grants	Lifetime bonds

Projected RDSP balance

Good to know

The beneficiary must be approved for the Disability Tax Credit to open an RDSP and to receive grants and bonds.
Adjusted family net income is the parents’/guardians’ income (CCB-based) before age 19, and the beneficiary’s plus a spouse’s or partner’s from age 19.
Thresholds are indexed to inflation every year — the figures here are for 2026.
Unused grant and bond entitlements carry forward up to 10 years; catch-up payments are capped at $10,500/yr for grants and $11,000/yr for bonds.
This calculator covers grants and bonds only — not withdrawals, the 10-year withholding rule on government money, or tax on withdrawals.
Lifetime disability assistance payments (LDAPs) must begin by age 60.

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Provided by Aaron Taylor, Taylor Wealth Designers Ltd. - www.wealthdesigners.ca

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Simplified illustration using 2026 RDSP thresholds, grant and bond rates, which are indexed annually. Confirm your situation with the CRA or a qualified professional.

IMPORTANT — PLEASE READ: This report was produced by an automated calculator and may contain calculation errors. All results are hypothetical illustrations based on the inputs and assumptions shown (rates of return, inflation, tax rules, and government benefit amounts), not predictions or guarantees of future outcomes. Past investment performance does not guarantee future results. Tax laws and government programs (including CPP, OAS, and GIS) change over time. This report is for general information only and is not investment, tax, or legal advice. Please review your situation with a qualified professional before making financial decisions.