RDSP Calculator

Estimate the growth of an RDSP and the value of future withdrawal payments.
Current age
5
Family income
This amount is used to determine eligibility for the CDSG and CDSB. Until 18, the grand and bond amounts are calculated using the combined income of the parents/guardians. After 18, they are calculated using the beneficiaries own income plus their spouse's income, if applicable.
Family income until age 18 (maximum value $500,000)
100,000
Family income
This amount is used to determine eligibility for the CDSG and CDSB. Until 18, the grand and bond amounts are calculated using the combined income of the parents/guardians.
Family income from age 19 (maximum value $500,000)
25,000
Family income
This amount is used to determine eligibility for the CDSG and CDSB. After 18, they are calculated using the beneficiaries own income plus their spouse's income, if applicable.
RDSP current value (maximum value $1,000,000)
0
RDSP Current Value
Enter the current value, including all contributions, grants, bonds and growth.
Enter RDSP, CDSG and CDSB principal amounts?
Enter Principal Amounts?
If this is a new RDSP, select No. Otherwise, select Yes and enter the principal amounts since there are lifetime contribution limits.
RDSP principal (maximum value $200,000)
0
RDSP Principal
Enter the total amount contributed to the RDSP so far. Do not include grants, bonds or growth.
CDSG (Canada Disability Savings Grant) principal (maximum value $70,000)
0
CDSG principal
Enter the total amount received for the Canada Disability Savings Grant.
CDSB (Canada Disability Savings Bond) principal (maximum value $20,000)
0
CDSB Principal
Enter the total amount received for the Canada Disability Savings Bond.
Annual RDSP contribution (maximum value $200,000)
1,500
RDSP Contribution
There is no annual contribution limit but there is a lifetime limit of $200,000
Start contributions at age
5
Stop contributions at age (maximum value 59)
49
Stop age
Contributions can be made until the end of the year in which the beneficiary turns 59.
Made at the start or end of year?
Single lump sum RDSP contribution (maxium value $200,000)
0
Made at age
45
Rate of return (maximum value %)
5.00%
Change the annual RDSP contribution?
New annual RDSP contribution (maximum value $200,000)
1,500
New contribution starts at age
49
New contribution ends at age
49
Change rate of return?
New rate of return (maximum value %)
2.00%
Change at age
60
Start regular RDSP withdrawals at age (maximum value 60)
60
Start withdrawals age
Regular withdrawals must begin by December 31 of the year the beneficiary turns 60.
Single lump sum RDSP withdrawal (maxium value $200,000)
0
Made at age
40
Personal contributions to RDSP
CDSG grant government
CDSB from government
Total contributions and grants
 
Value of RDSP when withdrawals start at age
 
Average annual withdrawal from age to age 80
RDSP Value Over Time
$16,000
$12,000
$8,000
$4,000
$0

 
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Assumptions
All calculations are before taxes and are done until age 80.

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