Canada Disability Savings Grant and Bond (RDSP)

FederalDisabilityChecked October 2, 2026

The government adds grant and bond money to a Registered Disability Savings Plan to help people with disabilities save for the long term. Lower-income families can get the bond without contributing.

How much

Grant: up to $3,500/year (lifetime $70,000); for 2026, family income up to $117,045 gets 3:1 on first $500 and 2:1 on next $1,000, higher income gets 1:1 on up to $1,000. Bond: up to $1,000/year (lifetime $20,000), full if income ≤$38,237, partial up to $58,523. Up to 10 years of unused amounts can be carried forward.

When it's paid

Deposited into the RDSP.

Who qualifies

The beneficiary is approved for the Disability Tax Credit
The beneficiary is a Canadian resident with a SIN
An RDSP is opened before the year they turn 60
Grants/bonds are paid until the end of the year they turn 49

How to apply

Get DTC approval
Open an RDSP at a participating financial institution
Ask for the grant and bond
File taxes every year

What to have ready

DTC approval
Beneficiary's SIN
Holder's SIN

Common mistakes to avoid

Missing carry-forward amounts
Withdrawing within 10 years and triggering repayment
Not filing taxes

Still being confirmed: Age-60 opening limit and 10-year repayment rule not re-confirmed. Check the official page for the latest details.

Official sources

Last checked against these pages on October 2, 2026.

Disability Tax Credit (DTC)The Disability Tax Credit lowers the income tax paid by people with a severe and prolonged impairment, or by family who…
Child Disability Benefit (CDB)The Child Disability Benefit is extra tax-free money added to the Canada Child Benefit for a child with a disability.…
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BenefitCanada is independent and not affiliated with any government. This guide summarizes official sources in plain language; rules and amounts change, so always confirm on the official page before applying.