For Canadians living with disabilities, the Registered Disability Savings Plan (RDSP) offers a powerful savings tool.
Through the Canada Disability Savings Grant (CDSG) and Bond (CDSB), the government boosts your contributions—up to $3,500 annually—providing critical long-term financial support. Here’s everything you need to know about eligibility, annual matching, and deposit timing for 2025.
What Is the RDSP Government Grant?
The Canada Disability Savings Grant (CDSG) is a matching grant provided by the federal government into your RDSP account. In 2025, the maximum annual grant is $3,500, with a lifetime limit of $70,000. This support is available to beneficiaries until December 31 of the year they turn 49.
How the Grant Works by Income Level
| Adjusted Family Net Income | Contribution Tier | Matching Rate | Max Grant (Annual) |
|---|---|---|---|
| $114,750 or less | First $500 contribution | $3 per $1 contributed | $1,500 |
| Next $1,000 contribution | $2 per $1 contributed | $2,000 | |
| Over $114,750 | First $1,000 contribution | $1 per $1 contributed | $1,000 |
To claim the full $3,500 grant, a beneficiary (with income ≤ $114,750) must contribute $1,500 in a given year.
What About the Disability Savings Bond?
Low-income beneficiaries may qualify for the Canada Disability Savings Bond (CDSB), which requires no contributions to receive it:
- Up to $1,000 per year, based on income thresholds
- Lifetime bond limit: $20,000
- Available until the end of the year the beneficiary turns 49
Together, the CDSG and CDSB can mean up to $4,500 in government contributions annually for those who qualify.
Carry-Forward of Unused Entitlements
If you missed claiming the grant or bond in past years, you may be eligible to carry forward up to 10 years of unused entitlements:
- CDSG carry-forward max per year: $10,500
- CDSB carry-forward max per year: $11,000
This feature helps ensure you don’t lose out simply due to delayed contributions or awareness.
When Does the Grant Deposit into Your RDSP?
The CDSG and CDSB are deposited once contributions are made and eligibility confirmed. While there’s no fixed “deposit date” nationwide, the government typically processes grants and bonds shortly after your financial institution reports contributions and CRA verifies eligibility.
You’ll also receive an annual Statement of Entitlement (usually in February), outlining how much grant or bond you can receive and how much to contribute to get the full amount.
Why This Matters in 2025
With increasing living costs, maximizing RDSP incentives is more vital than ever. The RDSP grants and bonds can significantly amplify savings—potentially adding thousands in free money each year. It enables financial security without impacting other benefits, giving peace of mind for long-term planning.
The RDSP in 2025 offers unmatched government support, with up to $3,500 in matching grants and $1,000 in bonds available annually—plus substantial carry-forward potential. It’s essential to file your income tax on time, contribute strategically, and monitor your Statement of Entitlement each February so you don’t miss out.
Whether minimizing financial strain or boosting long-term security, the RDSP empowers Canadians with disabilities to build a stronger financial future.
FAQs
How much government grant is available through the RDSP in 2025?
Up to $3,500 per year (matching), depending on income and contributions, with a lifetime maximum of $70,000.
Can I still receive grant or bond amounts I missed in previous years?
Yes—you can carry forward unused CDSG (up to $10,500/year) and CDSB (up to $11,000/year) if eligible within the past 10 years.