Tools
RDSP accumulation
Project the growth of an RDSP with the Canada Disability Savings Grant and Bond.
Prepared by Groupe Conseil Sabin Painchaud
Prepared on September 21, 2026
RDSP parameters
RDSP parameters
173 596 $
Projected value
30 000 $
Total contributed
70 000 $
Grant + bond
73 596 $
Growth
Grant and bond received, by type
- Grant (CDSG)
- 70 000 $
- Bond (CDSB)
- 0 $
RDSP value Amounts contributed
RDSP lifetime contribution limit: $200,000 per beneficiary (respected above). Estimate of the Grant (CDSG) and Bond (CDSB) based on 2026 income thresholds, each capped at its lifetime maximum ($70,000 / $20,000, respected above). Grants are available until the end of the year the beneficiary turns 49. Indicative result only — consult your advisor.
Calculation assumptions
- The annual contribution (and the year-1 lump sum, if any) is automatically capped to respect the $200,000 lifetime limit per beneficiary.
- The lump sum is added to the annual contribution in year 1 only; the Grant and Bond for that year are calculated on the total year-1 contribution (lump sum + annual), subject to the usual annual caps (no catch-up of unused prior-year grant room is modelled).
- The Canada Disability Savings Grant (CDSG) and Bond (CDSB) are estimated based on 2026 net family income thresholds (CDSG second threshold and CDSB upper threshold: limits of the first two federal tax brackets) and their respective lifetime limits ($70,000 and $20,000).
- Grants and bonds are assumed available for the entire duration entered; they actually stop at the end of the year the beneficiary turns 49.
- The annual return is applied constantly over the entire contribution period.
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