Tools
RESP accumulation
Project the growth of an RESP with government grants (CESG, QESI, BCTESG, CLB).
Prepared by Groupe Conseil Sabin Painchaud
Prepared on September 21, 2026
RESP parameters
RESP parameters
Province of residence
93 526 $
Projected value
45 000 $
Total contributed
10 800 $
Grants
37 726 $
Growth
Grants received, by type
- CESG (federal)
- 7 200 $
- QESI
- 3 600 $
- Canada Learning Bond
- 0 $
RESP value Amounts contributed
RESP lifetime contribution limit: $50,000 per beneficiary (respected above). Estimate of grants (CESG, QESI and Canada Learning Bond) based on 2026 income thresholds, each capped at its lifetime maximum (respected above). Indicative result only, subject to the rules in force and lifetime limits. Consult your advisor for a personalized analysis.
Calculation assumptions
- The annual contribution (and the year-1 lump sum, if any) is automatically capped to respect the $50,000 lifetime limit per beneficiary.
- The lump sum is added to the annual contribution in year 1 only; grants for that year are calculated on the total year-1 contribution (lump sum + annual), subject to the usual annual grant caps (no catch-up of unused prior-year grant room is modelled).
- Grants (CESG, provincial grant and Canada Learning Bond) are estimated based on 2026 net family income thresholds (CESG and CLB: limits of the first two federal tax brackets; QESI: limits of the first two Quebec tax brackets) and their respective lifetime limits — CESG $7,200, QESI $3,600, Canada Learning Bond $2,000.
- The annual return is applied constantly over the entire contribution period.
- Rules and income thresholds may be changed by governments; this result does not replace a personalized analysis.
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