Registered Disability Savings Plan (RDSP)

The Registered Disability Savings Plan (RDSP) helps Canadians with disabilities and their families save for the future. If you are a Canadian resident under age 60 and are eligible for the Disability Tax Credit (Disability Amount), you are eligible for an RDSP. Earnings accumulate tax-free, until you take money out of your RDSP. Parents or guardians may open an RDSP for a minor. With written permission from the holder, anyone can contribute to the RDSP.

RDSP and You 

Canada Disability Savings Grant

Through the Canada Disability Savings Grant, the Government deposits money into your RDSP to help you save. The Government provides matching grants of up to 300%, depending on the amount contributed and the Beneficiary’s Family Income. The maximum is $3,500 each year, with a limit of $70,000 over your lifetime.

Canada Disability Savings Bond

Through the Canada Disability Savings Bond, the Government deposits money into the RDSPs of low-income and modest-income Canadians. If you qualify for the bond, you could receive up to $1,000 a year from the Government, with a limit of $20,000 over your lifetime. Contributions do not need to be made to the RDSP in order to receive the bond.

• RDSP and You
• Canada Disability Savings Grant
• Canada Disability Savings Bond
• RDSP and Federal Benefits
• RDSP and Provincial and Territorial Benefits
• Opening an RDSP
• Withdrawals
• Transfers
• Forms
• Contact us

Using this Web site

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Related Government of Canada Web sites

Canada Revenue Agency
Finance Canada
Service Canada

Related information

Canada Disability Savings Act
Income Tax Act
Canada Disability Savings Regulations

Useful links

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RDSP Calculator

Long-term savings plan for people with disabilities