Canada · Planning tools

RESP and CESG Contribution Planner

Plan education savings and estimate the basic Canada Education Savings Grant attached to eligible RESP contributions. See contributions, grants and assumed investment growth as separate parts of the result.

Your details

Your scenario

2026 basic CESG only, including supported catch-up and age-16/17 checks. All RESP contributions and all CESG already received or pending must be reconciled across plans. Growth is an entered assumption.

Planning year Beneficiary birth year Residency, SIN and basic CESG eligibility confirmed All plans reconciled, including received and pending grants Planned new contribution (CAD) Contributions already made this year (CAD) Lifetime contributions before this year (CAD) Unused basic grant room entering this year (CAD) CESG before this year, basic and additional (CAD) CESG received / pending this year, basic and additional (CAD) Basic CESG received / pending this year (CAD) For age 16/17: qualifying history confirmed Contributions retained by end of age 15 (CAD) Prior years with at least $100 retained by age 15 Current RESP balance (CAD) Assumed annual investment return (%) Annual percentage fee assumption (%) Projection years

Entries stay in this browser. Examples use illustrative confirmations; replace them with your own checked details.

How to use this tool

Enter the child's age and confirmed grant history.
Add the planned contribution and available catch-up room.
Review the basic grant estimate and remaining limits.

How the result is calculated

The basic grant is calculated on eligible contributions within annual and lifetime limits. Age and prior contribution history can affect eligibility.

Worked example

A $2,500 eligible contribution produces $500 at a 20% basic grant rate when enough annual and lifetime grant room remains.

What this result does not cover

Additional CESG, the Canada Learning Bond and provincial incentives are excluded from the initial version. Investment growth is an assumption, not a promised return.

Questions people ask

Can I catch up unused grant room?

Potentially, within the program's annual catch-up rules.

Are grants and contribution limits the same?

No. Track grant limits and RESP contribution limits separately.

Does a teenager always qualify?

Specific age and contribution-history conditions can apply.

Supported scope and official sources

Source snapshot: 22 October 2026. Independent specialist review is pending. Calculations do not confirm eligibility or replace official decisions.

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