Beneficiary Details
5 yrs
55 years of saving · LDAP begins at 60 · Plan runs to ~age 83
$1,500
Optimal: $1,500/yr → max $3,500 grant
$38,000
Low income — Max grants + $1,000/yr bond
5%
5% (Moderate)
Lifetime Summary — 5% (Moderate) · Age 5 Start
Peak Plan Value
$1,237,989
at age 61
Total LDAP Income
$2,127,440
ages 60–83
Your Contributions
$82,500
ages 5–59
Gov't Grants
$70,000
CDSG lifetime
Gov't Bonds
$20,000
CDSB lifetime
Tax-Free Income
$80,375
of LDAP payments
Taxable Income
$2,047,065
of LDAP payments
Gov't Total
$90,000
free money received
Total Lifetime Income Received (LDAP)
$2,127,440
For every $1 you put in, the plan paid back $25.79
Saving years
55 yrs
Income years
23 yrs
Gov't contributed
$90,000
in free grants & bonds
Scenario Comparison — Total LDAP Income by Rate of Return
3% Conservative
$742,045
Ends age 83
Peak: $544,350 at age 59Gov't: $90,000
4% Cautious
$1,250,652
Ends age 83
Peak: $815,520 at age 59Gov't: $90,000
5% ModerateSELECTED
$2,127,440
Ends age 83
Peak: $1,237,989 at age 61Gov't: $90,000
6% Balanced
$3,645,515
Ends age 83
Peak: $1,953,904 at age 65Gov't: $90,000
7% Growth
$6,282,895
Ends age 83
Peak: $3,175,102 at age 67Gov't: $90,000
8% Aggressive
$10,876,905
Ends age 83
Peak: $5,269,230 at age 69Gov't: $90,000
Lifetime income range — age 5 start
Conservative (3%)
$742,045
Moderate (5%)
$2,127,440
Aggressive (8%)
$10,876,905
Balance (Saving phase)
LDAP payments (Income phase)
5
$6,000
6
$12,300
7
$18,915
8
$25,861
9
$33,154
10
$40,811
11
$48,852
12
$57,295
13
$66,159
14
$75,467
15
$85,241
16
$95,503
17
$106,278
18
$117,592
19
$129,471
20
$141,945
21
$155,042
22
$168,794
23
$183,234
24
$198,396
25
$209,816
26
$221,806
27
$234,397
28
$247,616
29
$261,497
30
$276,072
31
$291,376
32
$307,445
33
$324,317
34
$342,033
35
$360,634
36
$380,166
37
$400,674
38
$422,208
39
$444,818
40
$468,559
41
$493,487
42
$519,662
43
$547,145
44
$576,002
45
$606,302
46
$638,117
47
$671,523
48
$706,599
49
$743,429
50
$782,100
51
$822,705
52
$865,341
53
$910,108
54
$957,113
55
$1,006,469
56
$1,058,292
57
$1,112,707
58
$1,169,842
59
$1,229,834
60
▶ INCOME
$53,471
$1,235,181 left
61
$56,145
$1,237,989 left
62
$58,952
$1,237,989 left
63
$61,899
$1,234,894 left
64
$64,994
$1,228,394 left
65
$68,244
$1,218,158 left
66
$71,656
$1,203,826 left
67
$75,239
$1,185,017 left
68
$79,001
$1,161,316 left
69
$82,951
$1,132,283 left
70
$87,099
$1,097,444 left
71
$91,454
$1,056,290 left
72
$96,026
$1,008,277 left
73
$100,828
$952,821 left
74
$105,869
$889,300 left
75
$111,162
$817,044 left
76
$116,721
$735,340 left
77
$122,557
$643,422 left
78
$128,684
$540,475 left
79
$135,119
$425,624 left
80
$141,875
$297,937 left
81
$99,312
$208,556 left
82
$69,519
$145,989 left
83
$48,663
$102,192 left
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⚠️ Educational tool only — projections are illustrative. Actual LDAP amounts depend on plan FMV, investment performance, and CRA rules at time of payment. Tax-free/taxable split is an estimate. This does not constitute financial, legal, or tax advice. Always verify at canada.ca/rdsp and consult a qualified advisor.