PROSPYR CALCULATOR
RDSP Grant Optimizer
Find out instantly how much CDSG and CDSB you qualify for this year - and build your catch-up strategy before age 49.
Age of the RDSP beneficiary. Grants are available until age 49.
Combined net income of the beneficiary and their spouse/common-law partner, or the primary caregiver if the beneficiary is under 18.
How much you plan to contribute to the RDSP this calendar year.
Current fair market value of the RDSP. Used for projections and LDAP calculations.
Years of unused CDSG room you can still claim. Maximum 10 years. Check your CRA My Account for exact room.
Years of unused Canada Disability Savings Bond room. Only applies if family income is below the threshold.
Expected annual growth rate on the RDSP balance. Default: 5%.
Total CDSGs and CDBs received in the 10 years prior to first LDAP. Used to calculate holdback repayment.
Used for a rough LDAP tax estimate only.
Enter beneficiary details above to calculate grant eligibility.
This calculator is for informational purposes only and does not constitute licensed financial advice. CDSG, CDSB, and LDAP values are estimates based on CRA rules. 2026 income thresholds verified against canada.ca on April 25, 2026. Thresholds are indexed annually - always verify current year values with CRA My Account or a qualified financial advisor.
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