Investment Account Projector
Model any registered or tax-advantaged account in Canada or the United States — accumulation, preservation, and distribution in one projection.
Account type
Canada
United States
RDSP
Registered Disability Savings Plan
Lifetime limit: $200,000
Your contributions
Typical: 5-8%
Government grant included
CDSG grants (up to $3,500/yr, $70,000 lifetime) are auto-applied based on your income.
VerifiedAdvisorsHub · RDSP Projector
Your RDSP Projection
Projection
At end of contributions
$1,185,575
Year 30
After-tax spendable
$1,185,575
Tax-free
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the RDSP
Tax-free growth + matching grants and bonds for persons with a disability.
At a glance
Best for
- Individuals with the Disability Tax Credit (DTC) eligibility
- Long-term planning for a dependent with a lifelong disability
- Low-income beneficiaries who can stack CDSG + CDSB
Watch out for
- Grants and bonds must remain invested 10 years before withdrawal to avoid repayment
- Requires DTC eligibility — approval process can take months
- Contributions are not tax-deductible; only growth and grants grow tax-sheltered
This is educational, not financial advice. An advisor can apply it to your specific situation.
About this tool
This calculator runs a three-phase simulation: accumulation (working years with contributions and growth), preservation (wind-down near retirement with a conservative return), and distribution (retirement withdrawals).
Account-specific features are included automatically: employer match for 401(k) plans, CESG grants for RESP, CDSG grants for RDSP, tax-free growth for TFSA/Roth accounts, tax-deferred growth for RRSP/traditional accounts, and capital-gains treatment for brokerage accounts.
Projections assume constant returns and don't model sequence-of-return risk, inflation (unless toggled), or tax-law changes. A licensed advisor can run stochastic simulations and build a comprehensive retirement plan.