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RDSP Calculator

Canadian Registered Disability Savings Plan — grants, bonds, LDAPs/DAPs, and tax estimates (AB · BC · ON)

account_balance_wallet

Final Balance

$0

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Lifetime Government

$0

payments

Total Withdrawals

$0

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Est. Tax on RDSP

$0

show_chart Account growth

Values in today’s dollars (inflation-adjusted).

Interest rate 10%

0%20%

Chart age range 30 – 90

3090

bar_chart Annual breakdown

Year details

Hover or tap a year for details. Press Esc, tap Clear, or click outside to exit.

account_balance Withdrawals & tax

No withdrawals in the selected range yet — choose LDAP or Scheduled / Manual in Assumptions.

Year-by-year

Age	Balance	Contrib	Grant	Bond	Growth	Withdrawal	Penalty

Assumptions

Current age DTC start age Family income ?

$

End age

Annual contrib

$

Return

%

Inflation

%

Real return

—

Stop contributions when withdrawals begin

Pay out dividends

Solve required return

Per-year returns

Default rate applies to every year. Override a range (e.g. higher returns in early risk-on years).

From age To age Rate

%

LDAPCRA formula from a start age (60+) Scheduled / Manual (DAPs)Age range, auto / fixed / tax-optimal, or edit years

LDAP start

Before 80: balance ÷ (83 − age). After 80: balance ÷ 3.

Other income

$

Province

Beneficiary taxable income in withdrawal years (not family income for grants). Est. Tax = marginal liability on taxable RDSP slice.

Claim disability amount (DTC)Usually claimed with an RDSP — lowers Est. Tax Also withdrawing RRSP / RRIFTaxable — added to other income

RRSP / RRIF

$

Also withdrawing TFSATax-free cash beside Net

TFSA

$

Compare LDAP vs “Optimal”Dashed balance overlay on Growth tab

Planning estimate only — not tax, legal, or financial advice. Models CDSG/CDSB, carry-forward, LDAP/DAP rules, 10-year assistance holdback, and approximate federal + provincial tax with BPA and optional disability amount. Confirm figures with your issuer and a qualified advisor. CRA rules: grants/bonds/growth are taxable on withdrawal; personal contributions are not.