Canada Disability Savings Grant - up to $3,500 a year

Employment and Social Development Canada

Matches RDSP contributions at rates up to 300%, to as much as $3,500 in a year. Unused grant entitlement from up to ten previous eligible years can be carried forward and caught up.

The catch: This is matched money, not free money - the top rate only applies to the first slice of contribution, so the $3,500 needs your own deposit behind it. Payable only to the end of the year the beneficiary turns 49, same as the bond.

Do these first

Open a Registered Disability Savings Plan required The grant is paid into a registered disability savings plan.
The account the Canada Disability Savings Bond is paid into. Opening it costs nothing.
Get approved for the Disability Tax Credit required RDSP eligibility runs through DTC-eligible status.

Who can get it

  • The beneficiary must be DTC-eligible with an open Registered Disability Savings Plan. must meet
  • An RDSP can receive grant on contributions made until December 31 of the year in which the beneficiary turns 49. must meet
  • Grants are payable to the end of the year the beneficiary turns 49. must meet
  • Match rate steps down above an indexed family net income threshold. NOT PUBLISHED HERE - no figure has been verified.

What to bring

  • Disability Tax Credit approval

Sources

At a glance

Worth
$3,500 (indexed)
Effort
About 60 minutes
Time to money
Not recorded
How it arrives
Restricted account
How often
Annual
Proof needed
Income documents
Where
Canada
Last checked
15 August 2026