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.
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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.