Grant path Federal grants first

Most provinces and territories do not currently have a mainstream provincial RESP incentive.

Provincial estimate $0
Federal estimate $500
Beneficiary
Contribution and provider
Provincial result $0

No active mainstream provincial RESP incentive is indicated for this province in the current Canada.ca overview.

Federal grant estimate $500

Basic CESG estimate only. CLB and additional CESG may also matter.

Provider action Ask before opening

Confirm CESG, additional CESG, CLB, and any provincial incentive support in writing.

Next best check Use the promoter list

Use official provider lists before choosing or transferring an RESP.

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 0/4 checked

Official sources