A Registered Education Savings Plan (RESP) is one of the most powerful ways to save for a child's post-secondary education. The federal government tops up your contributions with the Canada Education Savings Grant (CESG) - 20% on the first $2,500 contributed each year, up to $500 per year and $7,200 lifetime. Lower-income families may also qualify for the Canada Learning Bond (CLB). This calculator projects your RESP balance at your target year based on your annual contributions, the child's age, and an assumed investment return. It separates your contributions, CESG grants, and investment growth so you can see exactly what is CRA money versus your own. Contributions are not tax-deductible, but growth inside the RESP is tax-sheltered until withdrawn by the student.