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RESP Contribution Visualizer

Explore contribution strategies and see how CESG grants and investment growth affect your RESP. Includes BCTESG (BC) and QESI (Quebec) provincial grants with year-by-year projections.

Portfolio Growth to Age 17

CESG Focus strategy • 6% annual return

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Total Invested
$45,000
Total Grants
$7,200
Final Value
$96,214

RESP Settings

Child's Age0

CESG grants end at age 17

$
$

$2,500 earns max CESG ($500)

Expected Return6%

Conservative: 4-5%, Moderate: 6%

$2,500/yr for max CESG

Total CESG

$7,200

of $7,200 max

Provincial Grants

$0

None (federal only)

Investment Growth

$44,014

at 6% return

IRR

8.3%

Time-weighted return

Year-by-Year Breakdown

Annual contributions, grants, and portfolio growth

Important Notes

•CESG: 20% match on first $2,500/yr, max $7,200 lifetime
•RESP contribution limit: $50,000 per child
•BCTESG: One-time $1,200 at age 6 (BC only)
•QESI: 10% match, max $3,600 lifetime (QC only)
Note: Returns are projections only. Actual returns vary. Consider shifting to GICs as college approaches. This is an educational tool only—not financial advice.

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