Choose how much you want to save monthly or yearly. We'll estimate your future contributions, federal grants and projected growth by the time post-secondary education starts.
Uses 2026 federal CESG rules
Please enter the child's date of birth.We use the child's calendar-year age for RESP grant eligibility.
Used to flag any provincial RESP incentives that may apply.
Please choose an education start age after the child's current age.
This is treated as an existing balance only — not as a new contribution.Please enter the current RESP balance. Enter 0 if there is no existing balance.
Hypothetical only. Actual returns can be higher, lower or negative.Please enter an assumed return between 0% and 15%.
$208.33/month is about $2,500/year — enough for the standard maximum $500 Basic CESG for a full eligible year.Please enter the monthly amount you plan to contribute.
Please enter the yearly/lump-sum amount you plan to contribute.
* Required fields
Age 16–17 eligibility check: CESG at age 16 or 17 has a special prior-contribution rule.
Used to estimate 2026 Additional CESG. Future years assume the same eligibility band unless rules or income change.
Used to enforce the $7,200 lifetime CESG maximum.
Used to enforce the $50,000 lifetime contribution limit. Do not include government grants.
Used only to screen for possible Canada Learning Bond eligibility.
How the projection works: the current RESP balance stays separate. Each future year, your new deposits are added, the standard Basic CESG is estimated, and the full RESP balance is projected at your selected return. Catch-up CESG is flagged separately rather than automatically assumed.
Your RESP projection
Projected RESP value at education start
$0
Starting RESP balance$0
Your future deposits$0
Estimated grants$0
Projected growth$0
How the RESP could grow year by year
The grey line shows your future deposits only. The gold line shows cumulative estimated grants. The green line is the total projected RESP balance.
For general educational purposes only. Uses 2026 federal RESP rules and hypothetical returns. Exact CESG, Additional CESG, CLB and provincial benefits depend on eligibility, historical contributions, grant history, residency, plan structure and government records. Future Additional CESG assumes the entered income band remains unchanged. Returns are not guaranteed.
