RDSP Grant Optimization Calculator
Find your optimal RDSP contribution to maximize government grants and bonds. See your carry-forward entitlements and project your savings growth year by year.
Your Information
You are 36 years old in 2026
Disability Tax Credit approval year
From your 2024 tax return (2 years prior)
You're maximizing your grant match
Lifetime limit: $70,000 — Room left: $70,000
Lifetime limit: $20,000 — Room left: $20,000
Lifetime limit: $200,000
2026 Grant
$3,500
On your $1,500 contribution
2026 Bond
$667
No contribution needed
Total Government Money (2026)
$4,167
Grant + Bond for this year
Your Optimization Summary
Your Grant Match Rate
300% on the first $500 + 200% on the next $1,000. Contribute $1,500 to unlock the full $3,500.
Effective Government Return: 278%
For every dollar you contribute optimally, the government adds 278 cents in grants and bonds over your remaining eligible years. This is before any investment growth.
13 Years of Eligibility Remaining
You can receive grants and bonds until December 31 of the year you turn 49 (2039).
Year-by-Year Projection
Assumes you contribute the optimal amount each year ($1,500/year) with stable family income. Does not include investment returns — this is contributions + government money only.
Total You Contribute
$21,000
Total Grants
$49,000
Total Bonds
$9,338
Grand Total
$79,338
| Year | Age | Contribution | Grant | Bond | Cumulative |
|---|---|---|---|---|---|
| 2026 | 36 | $1,500 | $3,500 | $667 | $5,667 |
| 2027 | 37 | $1,500 | $3,500 | $667 | $11,334 |
| 2028 | 38 | $1,500 | $3,500 | $667 | $17,001 |
| 2029 | 39 | $1,500 | $3,500 | $667 | $22,668 |
| 2030 | 40 | $1,500 | $3,500 | $667 | $28,335 |
| 2031 | 41 | $1,500 | $3,500 | $667 | $34,002 |
| 2032 | 42 | $1,500 | $3,500 | $667 | $39,669 |
| 2033 | 43 | $1,500 | $3,500 | $667 | $45,336 |
| 2034 | 44 | $1,500 | $3,500 | $667 | $51,003 |
| 2035 | 45 | $1,500 | $3,500 | $667 | $56,670 |
| 2036 | 46 | $1,500 | $3,500 | $667 | $62,337 |
| 2037 | 47 | $1,500 | $3,500 | $667 | $68,004 |
| 2038 | 48 | $1,500 | $3,500 | $667 | $73,671 |
| 2039 | 49 | $1,500 | $3,500 | $667 | $79,338 |
How RDSP Grants & Bonds Work
The Canada Disability Savings Grant (CDSG) is a matching grant the government pays into your RDSP when you contribute. The match rate depends on your adjusted family net income. For 2026, if your family income is $117,045 or less, the first $500 you contribute is matched at 300% and the next $1,000 is matched at 200% — meaning a $1,500 contribution earns you $3,500 in grants. If your income is above $117,045, the first $1,000 is matched at 100%.
The Canada Disability Savings Bond (CDSB) is money the government deposits directly into your RDSP based on income alone — no contributions needed. If your family income is $38,237 or less, you receive $1,000 per year. Between $38,237 and $58,523, you receive a partial amount.
Carry-forward:If you were DTC-approved in past years but didn't have an RDSP or didn't contribute the full amount, you can catch up on grants and bonds from the last 10 years. The maximum grant in a catch-up year is $10,500, and up to $11,000 in bonds when opening a new plan.
Grants and bonds are available until December 31 of the year you turn 49. The lifetime grant limit is $70,000 and the lifetime bond limit is $20,000.
Important
This calculator is for informational and educational purposes only. It is not licensed financial, tax, or legal advice. Grant and bond amounts are estimates based on 2026 CRA-indexed thresholds and assume stable income. Actual amounts depend on your Statement of Entitlement from Employment and Social Development Canada (ESDC). Carry-forward calculations are simplified estimates — your actual entitlements may differ based on DTC approval history, income changes, and prior contributions. Investment returns are not modeled in this projection. Consult a qualified financial advisor for personalized guidance.
RDSP threshold source: canada.ca