Investment · Canada
RDSP grant & bond calculator.
The government money that comes with a Registered Disability Savings Plan: the Canada Disability Savings Grant (matched to what you contribute) and the Canada Disability Savings Bond (paid even with no contribution at all, for lower-income beneficiaries).
For 2026, family income up to $117,045 gets $3 for every $1 on the first $500 contributed, then $2 for every $1 on the next $1,000 — up to $3,500 a year. Above that income, it's $1 for every $1 on the first $1,000, up to $1,000. The bond pays up to $1,000 a year with zero contribution required, phasing out between $38,237 and $58,523 of family income.
Inputs
This year's grant & bond
Enter your details and press Calculate.
How the grant works
The Canada Disability Savings Grant (CDSG) matches what you contribute to an RDSP. If the beneficiary's family net income is $117,045 or less (2026), the government deposits $3 for every $1 on the first $500 contributed in the year (up to $1,500), then $2 for every $1 on the next $1,000 contributed (up to another $2,000) — a maximum of $3,500 in grant for a $1,500 contribution. Above that income threshold, the rate drops to $1 for every $1 on the first $1,000 contributed, up to $1,000. Contributions beyond what attracts a grant are still allowed into the plan — they just aren't matched. The grant has a $70,000 lifetime maximum per beneficiary.
How the bond works
The Canada Disability Savings Bond (CDSB) needs no contribution at all. At family net income of $38,237 or less (2026), the full $1,000 bond is deposited automatically (once you apply and the RDSP is open). It phases out as income rises, reaching $0 at $58,523. ESDC's public page confirms the bond "decreases as income increases" in that band but does not publish the exact per-dollar rate on that page — this tool estimates the in-between amount with a straight-line interpolation between the two published endpoints, which is the method RDSP-issuing financial institutions commonly use to illustrate it. Treat any bond figure in that $38,237–$58,523 band as an estimate, and confirm the exact deposited amount with your RDSP issuer or the Canada Disability Savings Program. The bond has a $20,000 lifetime maximum.
Who qualifies, and until when
A beneficiary must be approved for the Disability Tax Credit to open an RDSP. Both grant and bond are paid up until December 31 of the year the beneficiary turns 49 — nothing more is added after that, though the plan itself continues and can be drawn down later. This tool calculates a single year's entitlement only; it does not model the 10-year carry-forward "catch-up" rule that lets some beneficiaries claim unused prior-year grant/bond (up to $10,500 combined in one year) when they first become eligible, since that needs the beneficiary's full historical DTC-eligibility and contribution record.
Sources, fetched 27 September 2026: ESDC — How much you could get in grants and bonds, ESDC — Registered Disability Savings Plan overview. Both explicitly state the family-income thresholds above apply to the 2026 calendar year (based on family income reported on 2024 tax returns).
Frequently asked questions
Do I need to contribute to get the bond?
No. The bond is paid based only on family income, with no contribution required, as long as the RDSP is open and the beneficiary applies. The grant is the one tied to contributions.
Whose income counts — the beneficiary's or their family's?
While the beneficiary is a minor, it's the family's (parents'/guardians') net income. Once the beneficiary turns 19, it becomes their own net income (and their spouse's, if applicable).
Can I "catch up" on grants and bonds I missed in past years?
Yes, up to 10 years back (to a beneficiary's DTC-eligible years from 2008 onward), to a combined maximum of $10,500 in grant and bond in a single year. This tool calculates one year's regular entitlement only — it does not model the catch-up calculation, which needs your full contribution and DTC-eligibility history.
Why is my bond figure labelled an estimate?
Only if your family income falls between $38,237 and $58,523. ESDC's public page confirms the bond shrinks somewhere in that range but doesn't publish the exact formula, so this tool interpolates in a straight line between the two confirmed endpoints. Below $38,237 or at/above $58,523, the figure is exact.
Estimate only — not financial or tax advice
This tool calculates a single year's Canada Disability Savings Grant and Bond entitlement from the inputs given. It does not model the 10-year catch-up rule, does not track lifetime grant/bond totals against the $70,000/$20,000 caps, and estimates (rather than states exactly) the bond amount for family income between $38,237 and $58,523. Confirm your exact entitlement with your RDSP issuer or Employment and Social Development Canada.