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Registered Disability Savings Plan (RDSP)
Long-term security for disabilities.
The Limit
2026 Limit$200k Lifetime
Always check your CRA My Account for your exact personal limit. Over-contributing attracts penalties!
The Tax Vibe
Post-tax in. Growth, grants, and bonds taxed on withdrawal.
Best Used For...
- Saving for a beneficiary with the DTC (Disability Tax Credit)
- High government matching (up to 300%)
Description
An incredibly powerful program for those who qualify for the Disability Tax Credit. The government provides significant matching grants and bonds to ensure long-term financial security.
Grants & Bonds
Depending on family income, the government may contribute up to $3,500/year (Grant) and $1,000/year (Bond).
The 10-Year Rule
You must essentially wait 10 years after the last government contribution before withdrawing, otherwise you have to pay back some of the grants/bonds. This is a long-term plan.