Before you use this checklist
  • The beneficiary needs a Social Insurance Number; the subscriber needs ID.
  • The provider must support the intended grants.
  • Track contributions against the $50,000 lifetime limit.
Input Use real family numbers

Replace defaults with the child's age, contribution history, province, school timing, or provider details where the tool asks for them.

Output Compare the next decision

Use the result to decide what to ask the promoter, not as proof of eligibility or investment outcome.

Constraint Confirm before acting

RESP grants, withdrawals, transfers, fees, and school eligibility can depend on provider support and current government rules.

Assumptions and constraints

Review before using the result 0/3 checked

Your next step

Use the result above to decide what to read or ask next.

Read the guide Start an RESP

Open your first RESP with a plain-language checklist for birth/SIN timing, subscriber choice, beneficiary rules, plan type, CLB and CESG access, provincial grants, provider support, contribution timing, and records to keep.

 Compare providers RESP Provider Checklist

Confirm fees, grant support, transfers, and withdrawals before opening or moving a plan.

 Learn the basics Short RESP course

Follow terms, grants, providers, and withdrawals in order.

Official sources

Canada Education Savings Grant Canada Revenue Agency · checked 2026-05-27 Canada Learning Bond Canada Revenue Agency · checked 2026-06-17 Opening an RESP and applying for benefits Canada.ca · checked 2026-06-17