RDSP Grant & Bond Calculator

Put in $1,500 at the right income level and the government adds $3,500 on top. It's the single most generous matching program in the entire Canadian tax system, and it's routinely left on the table.

Reading This Tool

How To Use This Calculator

Enter the beneficiary's family net income and the contribution planned for this year.

The Canada Disability Savings Grant matches contributions at up to 300%, using 2026's official indexed income thresholds. The Canada Disability Savings Bond pays out based on income alone, with no contribution required at all for lower-income beneficiaries.

Your Inputs

Beneficiary's Family Net Income $45,000

Contribution Planned This Year $1,500

Grants & Bonds Received In Prior Years (Lifetime) $0

The beneficiary must be approved for the Disability Tax Credit to open an RDSP at all. Grants stop being paid after the year the beneficiary turns 49, and any grants or bonds received in the prior 10 years must be repaid if the plan is closed or a large withdrawal is made.

Government Contribution This Year

Total Grant + Bond This Year

Canada Disability Savings Grant

Canada Disability Savings Bond

Remaining Lifetime Grant + Bond Room

Your Contribution vs. Government Contribution

Uses the official 2026 CRA-indexed income thresholds. Unused grant and bond entitlements from up to 10 prior years can be claimed through catch-up contributions, though only two years of unused entitlement can be paid out in any single calendar year.

Planning long-term family wealth transfer alongside this?

See The RESP Grant Optimizer Too →