CA 2028 RDSP
CA 2028 RDSP: contribute up to $200k lifetime. CDSG matches 100-300% on first $1,500/year. CDSB up to $1,000/year for low income (no contribution needed).
| Your contribution | — |
| Family net income | — |
| Canada Disability Savings Grant | — |
| Canada Disability Savings Bond | — |
| Total 2028 government $ | — |
Canada 2028 Registered Disability Savings Plan (RDSP): contribute up to $200,000 lifetime per beneficiary. Canada Disability Savings Grant (CDSG) matches 100-300% on first $1,500/year — up to $3,500/year grant. Canada Disability Savings Bond (CDSB) provides up to $1,000/year for low income without requiring contribution. Lifetime: $70,000 CDSG + $20,000 CDSB.
Match Structure
Family income ≤$111,500 (2028 projected): 300% on first $500 = $1,500 + 200% on next $1,000 = $2,000 = $3,500 max grant on $1,500 contribution. Family income >$111,500: 100% on first $1,000 = $1,000 max grant. Best ROI for any Canadian government savings program.
10-Year Holdback Rule
RDSP grants + bonds repaid to government if withdrawn within 10 years of last receipt. Plan withdrawals carefully. After 10 years, full retention. Disability Assistance Payments (DAP) start age 60 or earlier if shorter life expectancy certified by physician.
Eligibility
Beneficiary must qualify for Disability Tax Credit (DTC). Open under 60th birthday. Holder = beneficiary (if capable) or qualifying parent/guardian. Contributions allowed until age 49 in calendar year beneficiary turns 49.
Last updated May 2026. Sources: CRA RDSP.