PROSPYR CALCULATOR
RDSP Grant Optimizer
Find out instantly how much CDSG and CDSB you qualify for this year - and estimate carry-forward payments through the year you turn 49.
Age on December 31, 2026. Payments are available through December 31 of the year the beneficiary turns 49.
Assessed income for the 2026 entitlement year, normally from the 2024 return. Parent/guardian family income applies through the year turning 18; beneficiary and spouse income starts in the year turning 19. Special CCB assessment timing may apply: use the income on your entitlement statement.
Total planned contribution for 2026, not an additional contribution. This estimate assumes no grant/bond payments already made in 2026 and sufficient lifetime contribution room ($200,000 maximum).
Current fair market value of the RDSP. Used for projections and LDAP calculations.
All grants received before the selected payment year, including grants subsequently repaid. Default zero assumes none.
All bonds received before the selected payment year, including bonds subsequently repaid. Default zero assumes none.
Expected annual growth rate on the RDSP balance. Default: 5%.
Total CDSGs and CDBs received in the 10 years prior to first LDAP. Used to calculate holdback repayment.
Used for a rough LDAP tax estimate only.
Unused prior-year entitlement
No history entered assumes no unused prior-year entitlement. Add only known unused years from your issuer's Statement of Entitlement. A fully unused eligible year uses that year's assessed income and indexed thresholds; partial years require remaining grant dollars separately at each matching rate. Never multiply a count of unused years by today's entitlement. History remains active in Basic and Advanced modes.
Enter beneficiary details above to calculate grant eligibility.
This is informational only, not licensed financial advice. CDSG and CDSB are estimates under official Government of Canada rules verified October 2, 2026. Confirm eligibility, unused entitlement and contribution room with your issuer. This annual scenario assumes no payments already made in 2026; it cannot model a mid-year continuation. Future projections freeze 2026 income thresholds and entered income, assume continuing eligibility and use the ordinary annual contribution after the first year. Future indexed thresholds and actual returns are unknown. LDAP/province estimates retain their separate simplified assumptions.
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