Disclaimer: This calculator is basic and for illustrative/entertainment purposes. I have tried to make it accurate, but there is no warranty. The tax calculators are only estimators. Some provinces have special nuances to the tax structure - particularly PQ. I am not a financial professional and do not sell any stocks, bonds, or funds. I do not provide specific financial advice. There are no explicit or implicit recommendations. This calculator is intended to help investors who ultimately make their own decisions. You should do your own due diligence and consult experts as needed for your own situation. You are responsible for your own investing decisions and will not sue Loonie Doctor or anyone associated with us.  
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Beneficiary's Age Investment Rate of Return  
Current Year Average Inflation  
Your Family Income
Real Rate of Return  
Baseline To Date If You Already Have an RESP        
Contributions To Date        
CESG Received To Date        
Accumulated Income To Date        
      $50000 Lifetime Contribution Limit        
Year Age Contribution Contributed Capital CESG Accumulated Income Total Inflation-Adjusted
Beneficiary's Age   Province
          Average Inflation    
Tax Information For The Person Investing   Family Income (for grants)
T4 Income              
Eligible Dividends     Estimated Account Return by Asset Type Calculating Tool
Ineligible Dividends     Asset Class Allocation Income Type Return return
          Canadian Stocks cap gains
Lump of Money Available To Invest At Start   eligible dividends
Personal after-tax money   Foreign Stocks cap gains
Money In A CCPC (Corp)   foreign dividends
*Draws from the corp to contribute to the RESP below makes a contribution - after the tax on an extra ineligible dividend is deducted.   Bonds cap gains
      Gross Portfolio Return
              Estimated Average Inflation
Baseline To Date If You Already Have an RESP   Inflation Adjusted Return In RESP (no tax drag)
Contributions To Date   Tax Drag in Taxable Account (Cap Gains Tax Added Separately)
CESG Received To Date   After-Tax Return In Taxable
Accumulated Income To Date   Tax Drag In Corp Account (Assuming Release of all RDTOH)
          After-Tax Return In Corp Account
      $50000 Lifetime Limit            
  Age When Accessing            
      RESP Personal Corp Total      
  Total Value Pre-Tax      
  Total Value Post-Tax      
Age Contributions RESP CONTRIBUTIONS & GROWTH RESP Total Personal Taxable Account Corporate Account Total Value
Personal Corp Draw* Contributed Capital CESG Acc Inv Income
RESP Basics Contribution Article Withdrawal Article