Institution RESP Tools Directory

Official lookup Canada.ca

RESP promoter list

Checking whether a promoter is listed and which federal or B.C. education savings benefits it supports.

Watch for: The list does not compare fees, investments, service speed, QESI support, or withdrawal process.
Directory note: Use this before opening or transferring an RESP, especially when CLB, additional CESG, or BCTESG support matters.

Checked 2026-05-24 Open institution tool

Official estimator Canada.ca

Benefit amount estimator page

Understanding how CESG, additional CESG, and CLB amounts can add to an RESP.

Watch for: It is an official estimate and rules explainer, not a provider-specific account calculator.
Directory note: Good baseline before using bank or provider calculators with their own assumptions.

Checked 2026-05-24 Open institution tool

Public education calculator Ontario Securities Commission / GetSmarterAboutMoney.ca

RESP Savings Calculator

Comparing future education costs against planned RESP savings, contributions, grants, and CLB assumptions.

Watch for: It is educational information, not advice or a guarantee; results depend on user-entered assumptions.
Directory note: Useful neutral calculator when a family wants a non-provider projection before comparing institutions.

Checked 2026-05-24 Open institution tool

Bank calculator BMO

RESP Calculator

Projecting RESP savings from contribution amount, child age, residence, and basic savings assumptions.

Watch for: Check whether the result matches the exact BMO legal promoter, grant support, fees, and account type you are considering.
Directory note: Use beside the BMO provider review and Canada.ca promoter row because BMO has multiple RESP promoter entities.

Checked 2026-05-24 Open institution tool

Bank calculator TD Canada Trust

RESP Calculator

Estimating education savings needs and how an RESP could contribute toward the target.

Watch for: TD has multiple RESP product paths and legal promoter entries, so confirm which account type and grant support apply.
Directory note: TD's RESP page links to this calculator from its RESP Calculator section.

Checked 2026-05-24 Open institution tool

Bank tool hub CIBC

RESP calculator card in CIBC tools hub

Finding CIBC's current RESP calculator entry alongside student budget and savings calculators.

Watch for: CIBC's direct calculator URL may change; use the tools hub or RESP page when a deep link breaks.
Directory note: CIBC's tools hub currently lists an RESP calculator under Invest or save and a student budget calculator under Budget.

Checked 2026-05-24 Open institution tool

Bank / credit union calculator Desjardins

Education Savings Calculator link on RESP page

Quebec-oriented RESP planning where QESI and federal grants are important to compare.

Watch for: The calculator is linked from the RESP page; verify current QESI handling and provider details directly with Desjardins.
Directory note: The page points readers to an Education Savings Calculator and explains Quebec/federal grant basics.

Checked 2026-05-24 Open institution tool

RESP provider calculator Embark

RESP Calculator

Testing contribution scenarios with an RESP-focused provider calculator.

Watch for: Provider calculators can reflect provider assumptions or sales workflows; compare with neutral and official sources.
Directory note: Useful for families already considering an Embark RESP or comparing provider-specific outputs.

Checked 2026-05-24 Open institution tool

Insurer / investment provider calculator iA Financial Group

RESP Calculator

Calculating contributions, estimated grants, and return assumptions for an RESP scenario.

Watch for: The calculator states assumptions such as basic grants only and no unused grant room; users should read the assumptions before relying on the result.
Directory note: Good example of a provider calculator that exposes assumptions directly on the tool page.

Checked 2026-05-24 Open institution tool

Scholarship plan provider calculator CST Savings

RESP Calculator on CST savings page

Seeing provider-specific projections for CST's own RESP product path.

Watch for: Scholarship or group-plan calculators can use plan-specific assumptions, fees, sales-charge refunds, and group-plan benefits.
Directory note: Use only after reading plan disclosure and comparing against non-group RESP options.

Checked 2026-05-24 Open institution tool

Credit union calculator Servus Credit Union

Education Savings Calculator

Estimating an education savings plan and comparing RESP versus non-RESP savings inputs.

Watch for: Calculator assumptions may be generic and not a guarantee of Servus account terms, investment returns, or grant eligibility.
Directory note: The calculator includes an RESP option and describes CESG handling in the tool assumptions.

Checked 2026-05-24 Open institution tool

Credit union calculator Innovation Federal Credit Union

RESP page with RESP calculator link

Finding a credit-union RESP calculator and basic RESP education from a Saskatchewan-based institution.

Watch for: Confirm current account availability, investment options, and grant support before treating the page as an account comparison.
Directory note: Useful for broadening the directory beyond the large national banks.

Checked 2026-05-24 Open institution tool

Bank planning page RBC Royal Bank

RESP page with contribution illustration

Reviewing RBC's RESP product page, regular-contribution illustration, and account-fee positioning.

Watch for: This scan did not find a standalone RBC RESP savings calculator comparable to BMO or TD; use it as a planning page, not a full calculator.
Directory note: Included so families comparing major institutions know where RBC's public RESP planning material currently sits.

Checked 2026-05-24 Open institution tool

Official provincial lookup Revenu Quebec

List of RESP providers that offer QESI

Checking whether a provider is listed for Quebec Education Savings Incentive support.

Watch for: The list confirms QESI participation only; it does not compare fees, account types, investment options, transfer timelines, or service quality.
Directory note: Use this beside Canada.ca's promoter list when the beneficiary is a Quebec resident or may later need QESI support.

Checked 2026-05-24 Open institution tool

Official provincial rules Revenu Quebec

Determining the QESI amount

Understanding the basic QESI amount, additional QESI, carry-forward treatment, payment timing, and lifetime maximum.

Watch for: QESI is not self-paid by the family; the RESP trustee or provider must request the tax credit.
Directory note: Helpful when comparing Quebec-focused calculators against official provincial rules.

Checked 2026-05-24 Open institution tool

Bank / wealth calculator ATB Financial

RESP Calculator

Estimating monthly savings needed for post-secondary costs, including projected expenses, savings growth, grants, and shortfall or surplus.

Watch for: ATB states that the calculator includes basic CESG but not additional CESG or CLB, and uses assumptions such as tuition and room-and-board inflation.
Directory note: A strong Alberta bank example because the calculator clearly separates required savings, projected savings, grants, and investment growth.

Checked 2026-05-24 Open institution tool

Credit union calculator Vancity

Education Savings Calculator

Estimating future education savings needs with tuition, living expenses, inflation, return, contribution frequency, and household-income inputs.

Watch for: Vancity's assumptions say CLB and carry-forward CESG are not considered, so compare against official grant rules before relying on the output.
Directory note: Useful for B.C. families comparing credit-union tools and education savings assumptions.

Checked 2026-05-24 Open institution tool

Credit union calculator Affinity Credit Union

Education Savings Calculator

Testing education savings balances with projected contributions, government grants, earnings, surplus or shortfall, graph, report, print, and share views.

Watch for: Affinity presents the tool as general guidance, not investment advice; verify the account route and grant support separately.
Directory note: Good Saskatchewan credit-union example with a full education-savings calculator experience.

Checked 2026-05-24 Open institution tool

Credit union calculator Stride Credit Union

RESP Calculator

Finding a Manitoba credit-union RESP calculator entry point and related education-savings support.

Watch for: The page frames the calculator as illustrative and points users to Journey Wealth for advice; confirm product availability and fees directly.
Directory note: Adds regional credit-union coverage beyond national banks and national investment firms.

Checked 2026-05-24 Open institution tool

Credit union calculator hub Atlantic Edge Credit Union

RESP calculator in calculators hub

Finding Atlantic Edge's RESP calculator alongside mortgage, loan, TFSA, RRSP, and RRIF calculators.

Watch for: The calculator hub includes broad terms and illustrative-use cautions; the direct RESP panel may be easier to find from the RESP product page.
Directory note: Useful Atlantic Canada example for families comparing regional credit-union support.

Checked 2026-05-24 Open institution tool

Investment provider calculator Mackenzie Investments

RESP page with RESP Calculator

Reviewing Mackenzie's RESP calculator launch point, investor guide, forms, grant-support notes, and RESP account-management resources.

Watch for: The page is advisor/provider-oriented; users should confirm whether they are opening through an advisor, dealer, or another platform.
Directory note: The FAQ states Mackenzie supports QESI and BCTESG, which is useful for grant-support comparison.

Checked 2026-05-24 Open institution tool

Financial group calculator Educators Financial Group

RESP Calculator

Estimating required deposits, projected savings, grants, investment income, and amounts needed to maximize CESG or lifetime deposits.

Watch for: The calculator can send results by email and is tied to Educators' product offering, so review privacy and product assumptions before using personal data.
Directory note: Detailed assumptions include tuition inflation, room-and-board inflation, CESG treatment, and the RESP lifetime contribution cap.

Checked 2026-05-24 Open institution tool

Scholarship plan provider calculator Kaleido

RESP Calculator

Quebec-focused estimates that discuss CESG, QESI, additional grants, CLB, and individual RESP product framing.

Watch for: Kaleido is a provider, so compare the calculator and product path with plan disclosure, fees, withdrawal rules, and non-provider calculators.
Directory note: Useful when Quebec families want a calculator that explicitly discusses QESI.

Checked 2026-05-24 Open institution tool

Bank planning page Scotiabank

RESP page with investment tools links

Reviewing Scotiabank RESP account options, grant explainer content, investment routes, and links into Scotiabank's broader investment tools.

Watch for: This is a planning/product page, not a standalone RESP calculator; confirm the exact promoter entity and supported grants before opening.
Directory note: Included because families commonly compare the major banks even when a dedicated calculator is not obvious.

Checked 2026-05-24 Open institution tool

Bank planning guide National Bank

RESP guide and savings-plan selector link

Learning National Bank's RESP explanation, grant framing, contribution notes, withdrawal basics, and path to its savings-plan selector.

Watch for: This is an education/planning article rather than a numeric RESP calculator.
Directory note: Useful for families comparing advice-page coverage across major banks and Quebec-facing institutions.

Checked 2026-05-24 Open institution tool

Self-directed brokerage guide Questrade

RESP explained guide

Comparing self-directed RESP positioning, account-fee claims, ETF/stock investing, contribution strategy, grants, and withdrawal basics.

Watch for: Brokerage pages can emphasize their fee model and investing path; check current grant support, Quebec availability, transfer rules, and account documents.
Directory note: Pairs well with provider review pages for families considering a low-cost self-directed RESP.

Checked 2026-05-24 Open institution tool

Self-directed brokerage guide Qtrade Direct Investing

RESP Basics

Reviewing self-directed RESP account types, account opening, transfer notes, investment options, and guided-portfolio path.

Watch for: The page is an account guide, not a savings calculator; compare current commissions, grant support, and guided portfolio fees separately.
Directory note: Useful because many credit unions route self-directed or guided RESP investing through Qtrade/Aviso.

Checked 2026-05-24 Open institution tool

Provider support guide Wealthsimple

RESP contributions and grants help page

Checking Wealthsimple's supported RESP grants and how it handles CESG, additional CESG, CLB, BCTESG, and QESI applications.

Watch for: Provider support pages can change quickly; confirm transfer restrictions and Quebec/QESI timing before moving an existing RESP.
Directory note: Useful for families comparing robo-advisor or self-directed account support against bank and brokerage options.

Checked 2026-05-24 Open institution tool

Investment provider tool hub Fidelity Canada

Tools and calculators hub

Finding Fidelity's savings calculator, growth calculator, investment finder, and RESP account resources in one tools hub.

Watch for: The savings calculator is general-purpose rather than RESP-specific, so it may not model CESG, CLB, QESI, BCTESG, or provider rules.
Directory note: Included as an investment-provider tool hub for users comparing education savings with other investment goals.

Checked 2026-05-24 Open institution tool

Assumptions

External calculators use their own assumptions, formulas, product framing, and privacy practices.
A calculator result is not proof that a provider supports a specific grant, bond, provincial incentive, investment option, or withdrawal process.
Use official Canada.ca rules and the provider checklist before choosing or transferring an RESP.

Linked tool sources