Canada RDSP: disability savings grants and bonds
An RDSP can receive contribution-matching grants and income-tested bonds, with separate lifetime limits and annually indexed income thresholds.
On this page
- 2026 grant income threshold
- $117,045 in adjusted family net income.ESDC, 2026 RDSP matching rules
- Grant lifetime limit
- $70,000.CRA, disability savings grants and bonds
- Bond lifetime limit
- $20,000; contributions are not required for a bond.CRA, disability savings grants and bonds
Contribution matching in 2026
ESDC's 2026 table lists the grant income threshold at $117,045. At or below that threshold, the matching rate is 300% on the first $500 contributed and 200% on the next $1,000. Above it, the matching rate is 100% on the first $1,000. These income levels apply to transactions dated January 1, 2026 or later. ESDC, 2026 RDSP matching rules (opens in a new tab).
An income-tested bond without contributions
A Canada disability savings bond can provide up to $1,000 a year without contributions, subject to income and eligibility. Its lifetime limit is $20,000. ESDC administers the grant and bond programs. CRA, disability savings bond (opens in a new tab).
For 2026, the bond begins to decrease above adjusted family net income of $38,237 and is nil at income of $58,523 or more. ESDC, 2026 RDSP bond thresholds (opens in a new tab).
Limits and unused entitlements
CRA lists an ordinary annual grant maximum of $3,500 and a lifetime maximum of $70,000. Grants on contributions and bonds are available through the year the beneficiary turns 49. Unused entitlements may be carried forward, subject to eligibility, with higher annual payment limits for carry-forward amounts. CRA, disability savings grants and bonds (opens in a new tab).
Scope of this explanation
This is general information about Canada, not personal tax or financial advice. This page does not calculate a grant, bond, carry-forward entitlement or withdrawal repayment. It does not cover all RDSP opening, contribution, payment or tax conditions. The government does not endorse this website.