Direct answer
Quick AnswerFor DTC-eligible autistic children, the RDSP is typically superior to an RESP. The RDSP provides up to $3,500/year in government matching grants (Canada Disability Savings Grant) plus up to $1,000/year in bonds for lower-income families — regardless of contribution amount. RDSP funds do not affect ODSP or social assistance eligibility. RESPs have no government disability matching but can fund post-secondary education.
Start with the short answer, then reveal deeper context where helpful.
The RDSP offers government matching that no other savings vehicle can match. For every $1,500 contributed by the family, the federal government contributes up to $3,500 in Canada Disability Savings Grants. Low-income families may also receive up to $1,000/year in Canada Disability Savings Bonds without contributing anything.
An RESP is appropriate if your autistic child plans to attend post-secondary education. The RESP provides a 20% Canada Education Savings Grant (up to $500/year) on contributions. However, RESP funds must be used for education purposes or returned (with penalties).
The RDSP offers government matching that no other savings vehicle can match. For every $1,500 contributed by the family, the federal government contributes up to $3,500 in Canada Disability Savings Grants. Low-income families may also receive up to $1,000/year in Canada Disability Savings Bonds without contributing anything.
Critically, RDSP savings are exempt from ODSP and Ontario Works asset calculations. This means savings in an RDSP will not reduce your adult child's disability income support — unlike regular savings accounts or RESPs.
An RESP is appropriate if your autistic child plans to attend post-secondary education. The RESP provides a 20% Canada Education Savings Grant (up to $500/year) on contributions. However, RESP funds must be used for education purposes or returned (with penalties).
Some families open both an RDSP and an RESP. The RDSP serves as long-term financial security, while the RESP funds specific educational goals. Consult a financial advisor experienced with disability planning for personalized guidance.
CRA
Registered Disability Savings Plan (RDSP) Guide (2025)
CRA
Canada Disability Savings Grant and Bond Amounts (2025)
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Commitment to Accuracy: Our data is verified against official government reports (FAO, MCCSS), peer-reviewed scientific literature, and accessible public records. Last updated: March 24, 2026.
Written by Spencer Carroll
Founder & Autism Advocate
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