Before you use this checklist
  • A checked box is a question to confirm, not an endorsement.
  • Confirm grant support, fees, and transfer rules in writing.
  • Compare at least two providers before deciding.
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 Choose an RESP provider

Compare RESP providers by legal promoter name, grant support, plan type, fees, investments, deposit coverage, transfers, withdrawals, provincial incentives, and fit for your child's timeline.

 Read the guide Transfer an RESP to another provider

Learn how to transfer an RESP while checking eligible transfer rules, CLB/CESG/provincial incentive treatment, partial-transfer proportions, fees, old-plan dates, records, and school-withdrawal timing.

 Learn the basics Short RESP course

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

Official sources

Opening an RESP and applying for benefits Canada.ca · checked 2026-06-17