Enhanced RDSP Calculator

Based on 2025/2026 CRA Rules with Advanced Withdrawal Planning

Current Age

Age When DTC Approved

Current Family Net Income (2026)

End Projection at Age

Set the final age for projections and graph

Annual Contribution (until age 59)

Lifetime max: $200,000. Optimal: $1,500/yr (low income) or $1,000/yr (high income)

Annual Return Rate (%)

Calculate required return rate to maintain balance

Pay Out Dividends

Withdrawal Mode

LDAP (Lifetime Disability Assistance Payments) — Automatic pension-style withdrawals (60+)

Manual Withdrawals (DAPs) — Pick exact ages/amounts (10-year rule applies before 60)

Start LDAP at age

LDAPs automatically calculate optimal withdrawals. Before 80: balance ÷ (83 - age). After 80: balance ÷ 3

Compare LDAP vs “Optimal” withdrawals

Shows a side-by-side view starting at the age you choose (LDAP requires 60+).

30 - 90

30 90

Hover details

Move your mouse over the chart to see the full breakdown for that age.

Age	Balance	Contributions	Grants	Bonds	Growth	Withdrawals	10Y Penalty

• LDAP (Lifetime Disability Assistance Payments): Automatic pension-style withdrawals starting at 60
• 10-Year Repayment Rule: Early withdrawals (before 60) lose $3 of grants/bonds for every $1 withdrawn
• Taxable Withdrawals: Everything except personal contributions is taxed upon withdrawal
• LDAP Formula: Before 80: balance ÷ (83 - age), After 80: balance ÷ 3
• Carry-forward: Catch up on past 10 DTC-approved years (max $10,500 grants + $11,000 bonds per year)