Registered Disability Savings Plan Contributions

Welcome to the RDSPlan.ca contributions page. Due to individual factors, each eligible participant qualifies for different grants and in turn varying degrees of contributions. We have taken the liberty of putting together 3 different scenarios to help illustrate some of the contributions that can be obtained.


Scenario #1

Nathan is a 36 year old lawyer who has Type 1 Diabetes, and has had diabetes since 1989.  His annual income is $150,000.  He just found out that he qualified for the Disability Tax Credit (DTC) and would now like to open his Registered Disability Savings Plan Account (RDSP).  Since he qualified for the DTC prior to 2008 (the year the RDSP came into effect), Nathan is going to fund his RDSP as follows to collect the grants that he has coming to him:

YEARCONTRIBUTIONSGRANTS (1:1)TOTAL
2016$9,000$9,000$18,000
2017$1,000$1,000$20,000
2018$1,000$1,000$22,000
2019 -
2029
$11,000$11,000$44,000
TOTALS$22,000$22,000$44,000

Scenario #2

Michelle is a single mother of a son with Autism.  He is 9 years old and has qualified for the DTC since 2007.  She has a part time job and makes $20,000 annually.  She qualifies for grants and bonds, and funds the RDSP as follows:

AGEYEARCONTRIBUTIONSGRANTS (3:1)GRANTS (2:1)BONDSTOTAL
92014$2,000$6,000-$1,000$9,000
102015$2,000$6,000-$1,000$18,000
112016$2,000$1,500$3,000$1,000$25,500
122017$2,000$1,500$3,000$1,000$33,000
132018$2,000$1,500$3,000$1,000$40,500
142019$2,000$1,500$3,000$1,000$48,000
152020$2,000$1,500$3,000$1,000$55,500
162021$2,000$1,500$3,000$1,000$63,000
172022$2,000$1,500$3,000$1,000$70,500
182023$2,000$1,500$3,000$1,000$78,000
192024$2,000$1,500$3,000$1,000$85,500
202025$2,000$1,500$3,000$1,000$93,000
212026$2,000$1,500$3,000$1,000$100,500
222027$2,000$1,500$3,000$1,000$108,000
232028$1,750$1,500$2,500$1,000$114,750
242029$1,000$115,750
252030$1,000$116,750
262031$1,000$117,750
272032$1,000$118,750
282033$1,000$119,750
TOTALS-$29,750$31,500$38,500$20,000$119,750
TOTAL GRANTS$70,000
TOTAL BONDS$20,000

Scenario #3

Jonathon is 35, has Cerebral Palsy and is married to Nancy.  Their combined annual household income is $70,000.  Jonathon has had the DTC since prior to 2008 and would like to catch up on the unused past grants available to him.  This is how they fund his RDSP:

AGEYEARCONTRIBUTIONSGRANTS (3:1)GRANTS (2:1)TOTAL
352016$3,500$10,500-$14,000
362017$4,500$4,500$6,000$29,000
372018$5,000$1,500$9,000$44,500
382019$5,000$1,500$9,000$60,000
392020$1,500$1,500$2,000$65,000
402021$1,500$1,500$2,000$70,000
412022$1,500$1,500$2,000$75,000
422023$1,500$1,500$2,000$80,000
432024$1,500$1,500$2,000$85,000
442025$1,500$1,500$2,000$90,000
452026$1,500$1,500$2,000$95,000
462027$1,500$1,500$2,000$100,000
472028$1,500$0.00$0.00$101,500
482029$1,500$0.00$0.00$103,000
TOTALS$33,000$30,000$40,000$103,000
TOTAL GRANTS$70,000

Registered Disability Savings Plan | Planning for Your Future

Registered Disability Savings Plan Contributions

Welcome to the RDSPlan.ca contributions page. Due to individual factors, each eligible participant qualifies for different grants and in turn varying degrees of contributions. We have taken the liberty of putting together 3 different scenarios to help illustrate some of the contributions that can be obtained.


Scenario #1

Nathan is a 36 year old lawyer who has Type 1 Diabetes, and has had diabetes since 1989.  His annual income is $150,000.  He just found out that he qualified for the Disability Tax Credit (DTC) and would now like to open his Registered Disability Savings Plan Account (RDSP).  Since he qualified for the DTC prior to 2008 (the year the RDSP came into effect), Nathan is going to fund his RDSP as follows to collect the grants that he has coming to him:

YEARCONTRIBUTIONSGRANTS (1:1)TOTAL
2016$9,000$9,000$18,000
2017$1,000$1,000$20,000
2018$1,000$1,000$22,000
2019 -
2029
$11,000$11,000$44,000
TOTALS$22,000$22,000$44,000

Scenario #2

Michelle is a single mother of a son with Autism.  He is 9 years old and has qualified for the DTC since 2007.  She has a part time job and makes $20,000 annually.  She qualifies for grants and bonds, and funds the RDSP as follows:

AGEYEARCONTRIBUTIONSGRANTS (3:1)GRANTS (2:1)BONDSTOTAL
92014$2,000$6,000-$1,000$9,000
102015$2,000$6,000-$1,000$18,000
112016$2,000$1,500$3,000$1,000$25,500
122017$2,000$1,500$3,000$1,000$33,000
132018$2,000$1,500$3,000$1,000$40,500
142019$2,000$1,500$3,000$1,000$48,000
152020$2,000$1,500$3,000$1,000$55,500
162021$2,000$1,500$3,000$1,000$63,000
172022$2,000$1,500$3,000$1,000$70,500
182023$2,000$1,500$3,000$1,000$78,000
192024$2,000$1,500$3,000$1,000$85,500
202025$2,000$1,500$3,000$1,000$93,000
212026$2,000$1,500$3,000$1,000$100,500
222027$2,000$1,500$3,000$1,000$108,000
232028$1,750$1,500$2,500$1,000$114,750
242029$1,000$115,750
252030$1,000$116,750
262031$1,000$117,750
272032$1,000$118,750
282033$1,000$119,750
TOTALS-$29,750$31,500$38,500$20,000$119,750
TOTAL GRANTS$70,000
TOTAL BONDS$20,000

Scenario #3

Jonathon is 35, has Cerebral Palsy and is married to Nancy.  Their combined annual household income is $70,000.  Jonathon has had the DTC since prior to 2008 and would like to catch up on the unused past grants available to him.  This is how they fund his RDSP:

AGEYEARCONTRIBUTIONSGRANTS (3:1)GRANTS (2:1)TOTAL
352016$3,500$10,500-$14,000
362017$4,500$4,500$6,000$29,000
372018$5,000$1,500$9,000$44,500
382019$5,000$1,500$9,000$60,000
392020$1,500$1,500$2,000$65,000
402021$1,500$1,500$2,000$70,000
412022$1,500$1,500$2,000$75,000
422023$1,500$1,500$2,000$80,000
432024$1,500$1,500$2,000$85,000
442025$1,500$1,500$2,000$90,000
452026$1,500$1,500$2,000$95,000
462027$1,500$1,500$2,000$100,000
472028$1,500$0.00$0.00$101,500
482029$1,500$0.00$0.00$103,000
TOTALS$33,000$30,000$40,000$103,000
TOTAL GRANTS$70,000