Registered Disability Savings Plan (RDSP)

Offered by Government of Canada

Long-term savings plan for an eligible beneficiary who is DTC-approved, has a valid SIN, is a Canadian resident when the plan is opened, and is under 60.

A Registered Disability Savings Plan (RDSP) is a long-term savings plan for a person with a disability.

To be designated as the beneficiary when a plan is opened, the person generally must be approved for the Disability Tax Credit, have a valid Social Insurance Number, be resident in Canada, and be under age 60. A plan can normally be opened until the end of the year the beneficiary turns 59.

RDSPs are opened through participating financial institutions. Contributions, grants, bonds, withdrawals, and repayment rules are separate and can be complex; confirm the current rules before opening or withdrawing from a plan.

Program details can change. Confirm current eligibility, availability, costs, and application requirements with the official source before acting.

Eligibility

The beneficiary generally must be approved for the DTC, have a valid SIN, be resident in Canada when the plan is opened, and be under age 60.

How to apply

Confirm beneficiary eligibility and open the RDSP through a participating financial institution. The institution will identify the documents and plan-holder information required.

At a glance

Funding type: government funded
Delivery: hybrid
Services: Disability savings, Federal grants and bonds
Cost notes: Private contributions may attract federal grants or bonds when current eligibility rules are met. Amounts, carry-forward rules, and repayment obligations vary; check the official RDSP guidance.

Source and verification

Last source check: August 5, 2026

Check the current program details at the cited source. Eligibility, funding, availability, fees, and application steps can change.

Open the official application or registration page

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