Registered Disability Savings Plan (RDSP)

Quick facts

• Up to 300%Government match on your contributions (CDSG)
• $70,000Lifetime maximum in grants (CDSG)
• $1,000/yrBond with no personal contributions needed (CDSB)
• $20,000Lifetime maximum in bonds (CDSB)
• DTC requiredYou must be approved for the Disability Tax Credit
• Age 49Last year to receive grants and bonds

Learn more

Watch this short video to better understand how the program works.

Key information

• Who it's for: Canadians who are approved for the Disability Tax Credit (DTC).
• Free government money: The government can add a grant (CDSG) and a bond (CDSB) to your plan.
• Long-term savings: Designed to build savings for your future financial security.
• Grants and bonds: Available up to the end of the year you turn 49.
• Opening the plan: You can open an RDSP up to the end of the year you turn 59.

Government contributions

Once your RDSP is open, the government can add two kinds of money:

• Canada Disability Savings Grant (CDSG): The government matches your contributions, up to 300% depending on your income. This can add up to $3,500 a year (or $10,500 a year if you have unused amounts from past years), to a lifetime maximum of $70,000.
• Canada Disability Savings Bond (CDSB): The government adds up to $1,000 a year even if you do not contribute anything, to a lifetime maximum of $20,000. In 2026, the full $1,000 is paid when adjusted family net income is $38,237 or less, and a partial bond is paid up to $58,523. More about the Disability Bond.