RDSP Withdrawal Repayment Calculator
Estimate the government assistance repaid before requesting a DAP or LDAP.
01 —WITHDRAWAL INPUTS
Grants and bonds paid in the preceding 10 years, less repayments.
02 —REPAYMENT RESULT
Grant and bond repayment
$3,000$3 for each $1 withdrawn, up to the holdback amount
Beneficiary receives
$1,000Total reduction in plan
$4,000Estimated balance $46,000
This estimates the proportional repayment only. PGAP payment limits, LDAP minimums, shortened-life-expectancy elections, death, closure and non-compliance use additional rules. Confirm the issuer's calculation before requesting a payment.
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Frequently asked questions
How much grant and bond is repaid on an RDSP withdrawal?
The proportional repayment is $3 for every $1 withdrawn, capped at the assistance holdback amount: grants and bonds paid in the preceding 10 years, less amounts already repaid.
Can repaid RDSP grants and bonds be restored?
No. Grants and bonds repaid because of an RDSP withdrawal cannot be reinstated.