federal · Canada-wide
RDSP Grant & Bond
The Canada Disability Savings Grant and Bond are the government money inside a Registered Disability Savings Plan (RDSP). The Grant matches what you put in: 300% on the first $500 and 200% on the next $1,000, up to $3,500 a year. The Bond pays up to $1,000 a year into the plan at low incomes. It needs no contributions at all.
- Verified Aug 22, 2026
- federal program · Canada-wide
At a glance
- Worth:
- Grant match ≤$3,500/yr · Bond ≤$1,000/yr
- Who:
- The beneficiary is approved for the DTC and has an open RDSP.
- Apply:
- Official program page
What it could be worth
Amount
Grant match ≤$3,500/yr · Bond ≤$1,000/yr
- Grant: up to $3,500 a year, with a $70,000 lifetime cap. Above adjusted family net income of $117,045, the rate is 100% on the first $1,000 ($1,000 a year maximum).
- Bond: up to $1,000 a year, with a $20,000 lifetime cap. The full bond applies at adjusted family net income of $38,237 or less. Between $38,237 and $58,523 you get part of it. At $58,523 or more you get none (2026).
- Both are paid until December 31 of the year the beneficiary turns 49.
- The income used is family income reported 2 years earlier. So 2026 payments use the 2024 return.
Example: A family with adjusted net income of $35,000 puts in $1,500 a year for a DTC-approved child. They get the $3,500 grant plus the $1,000 bond: $4,500 a year of government money. Over the years up to age 49, grants and bonds can total $90,000. Amounts above $1,500 a year earn no extra grant.
Try the RDSP growth simulator
See how Canada Disability Savings Grants and Bonds grow based on your savings and income.
How it benefits you
- Grant matching multiplies your savings. A $1,500 contribution brings the full $3,500 grant when family income is $117,045 or less (2026).
- The Bond deposits up to $1,000 a year on its own when family income is at or under $38,237 (2026). You do not need to save anything to get it.
- Between $38,237 and $58,523, the Bond gets smaller as income rises. At $58,523 or above, it stops.
- Unused amounts carry forward for up to 10 years. So opening a plan late can still collect missed grants and bonds in one payment.
What you need to qualify or apply
Needs the DTC first: this program unlocks once your Disability Tax Credit is approved. How the DTC works
Eligibility
- The beneficiary is approved for the DTC and has an open RDSP.
- Grant: you must contribute. Put in $500 to $1,500, depending on the matching you want. Anyone can contribute if the plan holder agrees.
- Bond: family income at or below the thresholds; no contributions required.
- Tax returns must be filed for the past 2 years. For a minor, parents file. The beneficiary files starting the year they turn 17.
- Grants and bonds are payable only until December 31 of the year the beneficiary turns 49.
How to apply
- Open an RDSP with a bank or financial institution that offers them. You need DTC approval, a Social Insurance Number (SIN), Canadian residency, and a beneficiary under 60.
- Sign the grant and bond application with the issuer. After that, the bond arrives on its own each year you qualify.
- Put in at least $500 to start grant matching. An amount of $1,500 gets the full $3,500.
- If you missed payments over the past 10 DTC-eligible years, ask the issuer about carry-forward. Up to $10,500 in grants and $11,000 in bonds can be paid in one year.
- File tax returns every year so your income band stays current.
Documents you may need
- Approved DTC certificate on file with the CRA.
- Signed grant and bond application with the RDSP issuer.
- Filed income tax returns (beneficiary, or parents of a minor).
RDSP Grant & Bond Growth Calculator
DTC approval unlocks the Registered Disability Savings Plan—where the Government of Canada pays up to 300% matching grants plus $1,000/yr bonds.
Annual Government Top-Up
+$4,500/yr
Government contribution added to your $1,500 deposit. Total annual account boost: $6,000/yr.
Read more from the official source
Checked CRA — Canada disability savings grant and Canada disability savings bond · Sep 13, 2026
Amounts and rules can change — always confirm on the official source before applying.
This page is general information, not a CRA or provincial determination — amounts and rules can change. Not sure where you stand? The free benefits check walks you through it, or a Registered Social Worker can review your full situation.