RDSP Carry-Forward Catch-Up Planner

Turn the matching-rate buckets on your Statement of Entitlement into a contribution plan.

01 —STATEMENT INPUTS

Unused entitlements

Enter grant dollars from the matching-rate buckets on your issuer/ESDC Statement of Entitlement.

Contribution you can make

Unused grant at 300%

Unused grant at 200%

Unused grant at 100%

Unused bond entitlement

No contribution is required to receive a bond.

02 —CATCH-UP RESULT

Estimated catch-up grant

$7,500

$3,500 of contribution matched

Estimated catch-up bond

$5,000

Subject to ESDC entitlement verification

Contribution not matched

Grant allocation

300% bucket$3,000

200% bucket$4,000

100% bucket$500

ESDC applies the oldest available entitlements and highest matching rates first. The exact deposit depends on the official Statement of Entitlement and is capped at $10,500 of grant and $11,000 of bond in a year.

Frequently asked questions

How many years of unused RDSP entitlement can I carry forward?

You can carry forward up to 10 years of unused grant and bond entitlement, provided the beneficiary met the eligibility requirements in those years.

What is the annual RDSP catch-up limit?

Carry-forward payments are capped at $10,500 of grant and $11,000 of bond in one year.

Related Calculators

RDSP Grant & Bond

Estimate the current-year government deposit first.

Disability Benefits & RDSP

Follow the full DTC-to-withdrawal planning path.

RDSP Withdrawal Repayment

Check the assistance holdback impact before withdrawing.

Disability Tax Credit

Estimate the credit that generally establishes RDSP eligibility.