CA Tax Tools

RDSP Grant & Bond Calculator

Estimate the current-year federal deposit to a Registered Disability Savings Plan.

01 —INPUTS

2026 grant and bond inputs

Usually the family income reported on the 2024 tax return.

02 —RESULTS

Estimated government deposit

$4,167

Grant + bond for current-year entitlement

Canada Disability Savings Grant

$3,500

2.33× effective match on this contribution

Canada Disability Savings Bond

$667

No contribution required for the bond

At this income, the first $500 can attract 300% and the next $1,000 can attract 200%. A $1,500 contribution earns the maximum current-year grant before lifetime limits. Carry-forward entitlements are separate; use the catch-up planner with your Statement of Entitlement.
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Frequently asked questions

How much RDSP grant can I get in 2026?

At family income up to $117,045, a $1,500 contribution can attract the $3,500 current-year maximum grant. Above that income, the match is 100% on the first $1,000.

Do I need to contribute to receive the RDSP bond?

No. The Canada Disability Savings Bond does not require a contribution. It is up to $1,000 at family income of $38,237 or less and phases out by $58,523 in 2026.

Related Calculators

Disability Benefits & RDSP

DTC, RDSP grant, catch-up and withdrawal planning in one path.

RDSP Carry-Forward

Plan a contribution against unused grant and bond entitlement.

RDSP Withdrawal Repayment

Estimate the $3-for-$1 repayment before taking money out.

Disability Tax Credit

Estimate the DTC that generally unlocks RDSP eligibility.
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