Free tool · Canada

How much will the government add to an RDSP?

Enter an age, a family income and a yearly contribution to see this year's grant and bond, and what they add up to by age 49.

Checked against official sources on September 27, 2026. Nothing you enter is saved or sent anywhere.

The estimator

For someone 18 or younger in 2026, the parents' combined income. From 19, their own income plus a spouse's.
Leave blank to see the bond alone. Family and friends can contribute too.

What an RDSP is

A Registered Disability Savings Plan is a long-term savings plan for someone approved for the Disability Tax Credit. It has to be opened before they turn 60. The government adds money in two ways: a grant that matches what goes in, and a bond for lower incomes that needs no contribution at all.

The grant: matching what you put in

Canada Disability Savings Grant, 2026
Family incomeMatchMost per year
$117,045 or less$3 for each of the first $500, then $2 for each of the next $1,000$3,500
Over $117,045$1 for each of the first $1,000$1,000

Canada.ca's example: with a family income of $60,000 and a $1,200 contribution, the grant is $2,900. That's $1,500 on the first $500 and $1,400 on the next $700.

The bond: money for lower incomes

Canada Disability Savings Bond, 2026
Family incomeBond per year
$38,237 or less$1,000
$38,237 to $58,523Part of $1,000, falling in a straight line as income rises
$58,523 or moreNone

The limits

  • Grants stop at $70,000 over a lifetime, and bonds at $20,000.
  • Both are paid until December 31 of the year the beneficiary turns 49.
  • 2026 amounts are based on the income on the 2024 tax return.
  • Opening late? Unused entitlements from the past 10 years can be carried forward: up to $10,500 in grant a year, and up to $11,000 in bond when the plan is opened.
  • Money should stay in the plan for at least 10 years after the last grant or bond, or some of it may have to be paid back.

For free, detailed help, Plan Institute's RDSP site explains opening a plan step by step.

Questions people ask

How much does the government put in an RDSP?

Up to $3,500 a year in grant and $1,000 a year in bond, depending on family income and contributions. Lifetime limits are $70,000 in grants and $20,000 in bonds.

Do I have to contribute to get the bond?

No. The bond is paid based on income alone, up to $1,000 a year for family income of $38,237 or less in 2026.

Whose income counts?

Until the end of the year the beneficiary turns 18, the parents' or guardians' combined income. From the year they turn 19, their own income plus a spouse's.

Until what age are grants paid?

Until December 31 of the year the beneficiary turns 49.

Sources

Checked against these on September 27, 2026. Amounts change every January or July; we recheck them each year.

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