Investment Account Projector
Model any registered or tax-advantaged account in Canada or the United States — accumulation, preservation, and distribution in one projection.
Account type
Canada
United States
RESP
Registered Education Savings Plan
Lifetime limit: $50,000
Your contributions
Typical: 5-8%
Government grant included
CESG grants (20% match, up to $500/yr, $7,200 lifetime) are auto-applied.
VerifiedAdvisorsHub · RESP Projector
Your RESP Projection
Projection
At end of contributions
$351,968
Year 30
After-tax spendable
$351,968
Tax-free
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the RESP
Tax-free growth plus a 20% government grant (CESG) for your child's education.
At a glance
Best for
- Parents of children pursuing post-secondary education
- Grandparents contributing for grandkids (with subscriber coordination)
- Low-income families eligible for additional CESG + the Canada Learning Bond
Watch out for
- Contribute at least $2,500/year — missed CESG is permanent
- If unused for education, CESG returns to government; growth is taxed + 20% penalty
- Family plans offer flexibility but have their own administrative rules
This is educational, not financial advice. An advisor can apply it to your specific situation.
About this tool
This calculator runs a three-phase simulation: accumulation (working years with contributions and growth), preservation (wind-down near retirement with a conservative return), and distribution (retirement withdrawals).
Account-specific features are included automatically: employer match for 401(k) plans, CESG grants for RESP, CDSG grants for RDSP, tax-free growth for TFSA/Roth accounts, tax-deferred growth for RRSP/traditional accounts, and capital-gains treatment for brokerage accounts.
Projections assume constant returns and don't model sequence-of-return risk, inflation (unless toggled), or tax-law changes. A licensed advisor can run stochastic simulations and build a comprehensive retirement plan.