Super-charge your RDSP RateBuddy Calculator

Estimate your RDSP growth with Government Grants & Bonds, catch-up rules, and age limits—all in one place.

Super-charge your RDSP RateBuddy Calculator Super-charge your RDSP, trademark, RateBuddy Calculator

Estimate how your deposits, Government Grant & Bond, and investment growth can build up.

Grant = Canada Disability Savings Grant (matching money).
Bond = Canada Disability Savings Bond (money even with $0 deposit, if income-eligible).

Your RDSP plan

Beneficiary age

Grants & Bonds stop after the year you turn 49; new deposits stop after the year you turn 59.

Time horizon

Current balance

Monthly deposit

Family income for RDSP

Age 0–18 uses the Canada Child Benefit income; 19+ uses the beneficiary’s (plus spouse/partner).

Estimated annual return

Count starting balance as “your deposit”

Include Grant & Bond

Catch up past years (0–10) 0

Mode

Realistic Theoretical

Your estimated growth

Estimated account value (end of period)

Realistic total

Theoretical total

Realistic Theoretical

Your deposits

Grant & Bond

Investment growth

Realistic = uses your income band + CRA annual caps + partial Bond if applicable. Theoretical = best-case within age windows, full Bond assumed, and auto top-ups to unlock full Grant.

Disclaimer: This calculator is educational and not tax, legal, or investment advice. RDSP eligibility, grants, bonds, and catch-up amounts depend on CRA rules and provider processing. Verify with your RDSP issuer and the CRA.

“Super-charge your RDSP™” is a trademark of RateBuddy (Swiftmind Inc.). Use of ™ indicates an unregistered trademark.