RDSP - Registered Disability Savings Plan
Updated: Jun 12, 2026 · 2026The RDSP helps Canadians approved for the Disability Tax Credit (DTC) build long-term savings, supported by federal grants (CDSG) and bonds (CDSB).
2026 contribution limits
Contributions and lifetime caps
- Lifetime contribution limit: $200,000
- No annual contribution cap (limited by lifetime max)
- Max grant per year: $3,500 (lifetime: $70,000)
- Max bond per year: $1,000 (lifetime: $20,000)
- Grants and bonds available until end of year beneficiary turns 49
- Plan must be opened before age 60
2026 income thresholds
- Phase-out income (bond reduction begins): $38,237
- First threshold (bond ends): $58,523
- Second threshold (full 300% / 200% match limit): $117,045
- Above second threshold: 100% match on first $1,000 contribution
Tax implications
Contributions and growth
- Personal contributions are not tax deductible
- Investment growth is tax deferred inside the plan
- RDSP balance does not affect federal benefits like OAS or GIS
Withdrawals
- Personal contribution portion is generally not taxed
- Grant, bond, and growth portions are taxable to beneficiary on withdrawal
- Withdrawal timing affects how much grant/bond may need to be repaid
Broker support
RDSP is more specialized; not every self-directed broker offers it.
- Wealthsimple: support may be limited
- Questrade: support may vary
- Interactive Brokers Canada: support may be limited
- Moomoo Canada: support may be limited
Sources verified for 2026: Canada.ca RDSP grant and bond pages and ESDC Notice #577 confirming 2026 income matching thresholds.