Notice #539: Registered Disability Savings Plan income matching rates for 2025
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Information Bulletin
Number: CDSP/PCEI-2024/2025-001-539
Date: November 18, 2024
Subject: Registered Disability Savings Plan (RDSP) income matching rates for 2025
Previous bulletin
This information bulletin updates the information bulletin CDSP/PCEI-2023/24-003-506 dated November 30, 2023.
Purpose
The purpose of this information bulletin is to inform issuers/agents of the new RDSP income matching rates for 2025.
2025 income matching rates
The Canada Revenue Agency has published the 2025 indexation adjustments for personal income tax and benefit amounts. Based on these published amounts, the income matching rates for RDSP for 2025 are as follows.
| Income level | Income matching rate definition |
|---|---|
| $37,487 | "Phase out income": the income level above which the annual amount of Canada Disability Savings bond payable begins to decrease. |
| $57,375 | "First threshold": The income level that, when reached or exceeded, the annual amount of Canada Disability Savings bond payable is nil. |
| $114,750 | "Second threshold": The income level that, when below or equal to, the matching grant will be 300% of the first $500 in contributions and 200% of the next $1,000 in contributions. When income is above this level, the matching grant will be 100% of the first $1,000 in contributions. |
These income levels will be used when processing all transactions dated January 1, 2025 or later.
Current and previous years
The following table lists the threshold matching amounts for the current year and the previous 10 years, where carry forward payments of the Canada Disability Savings grant and bond may be made.
| Year | Phase out income | First threshold | Second threshold |
|---|---|---|---|
| 2025 | $37,487 | $57,375 | $114,750 |
| 2024 | $36,502 | $55,867 | $111,733 |
| 2023 | $34,863 | $53,359 | $106,717 |
| 2022 | $32,797 | $50,197 | $100,392 |
| 2021 | $32,028 | $49,020 | $98,040 |
| 2020 | $31,711 | $48,535 | $97,069 |
| 2019 | $31,120 | $47,630 | $95,259 |
| 2018 | $30,450 | $46,605 | $93,208 |
| 2017 | $30,000 | $45,916 | $91,831 |
| 2016 | $26,364 | $45,282 | $90,563 |
| 2015 | $26,021 | $44,701 | $89,401 |
Contact us
If you have any questions regarding this notice, please contact us:
- by using our online contact page
- by phone at 1‑866‑204‑0357
- by e-mail at rdsp‑reei@hrsdc‑rhdcc.gc.ca
Our business hours are from 8 am to 5 pm, Eastern Time.