Disability Savings Plan
Build Financial Security with a Registered Disability Savings Plan
Get up to $90,000 in government Grants and Bonds + tax-free growth for your future
Why the RDSP
Empowering Futures: Why the RDSP Truly Matters
The RDSP empowers individuals with disabilities to build
long-term financial security. With government grants and bonds, it helps
families grow savings faster, ensuring future independence, stability, and
peace of mind for both beneficiaries and their loved ones.
Helping Canadians maximize their
RDSP benefits
Calculate Your Grant & Bond
Featured calculators
Grant Calculator
How much will the government match? Enter your annual contributions and family income for an instant estimate.
Bond Calculator
Do I qualify for free bonds? Check your family income and discover your eligibility in seconds.
Growth Projector
See your savings in 20 years. Enter your contribution details and visualize your RDSP’s growth over time.
Who Qualifies?
Eligibility Snapshot
Approved for DTC
The beneficiary must be certified by the Canada Revenue Agency (CRA) as eligible for the Disability Tax Credit (DTC). This foundational approval is mandatory to open and contribute to an RDSP.
Canadian Resident with Valid SIN
The individual named as the beneficiary must be a Canadian resident at the time the plan is opened and must possess a valid Social Insurance Number (SIN), as required by the government.
Under Age 60 When Opening
The RDSP must be established and opened before the beneficiary reaches the age of 60. Contributions are allowed up to the end of the year the beneficiary turns 59.
How we help
Getting started with a new plan
How to Open an RDSP
Step-by-Step Guide
Opening a Registered Disability Savings Plan (RDSP) is simple when you know the steps. Follow this guide to secure your loved one’s financial future with government grants and bonds.
Here’s how you can start:
- Confirm eligibility for the RDSP
- Gather SIN and disability documentation
- Choose your financial institution
- Open the RDSP account together
- Apply for grants and bonds
- Monitor your RDSP growth regularly
Why Choose the
RDSP Plan
The Registered Disability Savings Plan (RDSP) helps Canadians with disabilities secure long-term financial stability through government grants and bonds.
With the RDSP, you can:
- Grow your savings with government contributions
- Receive up to $70,000 in lifetime grants
- Receive up to $20,000 in bonds even without contributions
- Build long-term financial independence
- Ensure your loved one’s secure future
- Access funds for education, housing, or care needs
our testimonial
why clients love us
Emilio
Client
5.0
"Caring Hands provided exceptional support for my son's RDSP journey. Their expertise helped us navigate easily and make the most of government grants."
Irfan Parvez
Parent
5.0
"Thanks to their clear guidance, setting up my daughter’s RDSP was simple. The team explained every detail and helped us maximize our savings."
Yolisawa Mlambo
Beneficiary
5.0
"My RDSP has given me peace of mind about my future. Their personalized approach made a big difference in planning my finances."
Harpreet
Parent
5.0
"Their RDSP knowledge is outstanding. They make the process stress-free for families and ensure every eligible grant is claimed efficiently."
Dembe
Client
5.0
"I appreciate how patient and helpful the team was. They helped me understand every step and showed how the RDSP can secure my Brother’s future."
Geeta Vij
Parent
5.0
"They truly care about families. Their RDSP advice helped us plan a secure, confident future for our son with disabilities."
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