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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Ready to open an RESP?\r\n"}}" id="text-ed737abdda" class="cmp-text"> Ready to open an RESP? TD Personal Bankers can help with your educational investment needs. We'll work with you to help determine the preferred path forward and help you develop a plan to achieve those goals.\r\n\r\n"}}" id="text-3bd3108c99" class="cmp-text">TD Personal Bankers can help with your educational investment needs. We'll work with you to help determine the preferred path forward and help you develop a plan to achieve those goals.
Book an appointment Assumptions For the purposes of this calculator, the following assumptions were made:\r\n"}}" id="text-9ad526d65c" class="cmp-text">For the purposes of this calculator, the following assumptions were made:
Calculator Inputs\r\n\r\n"}}" id="text-eac8dbc10e" class="cmp-text">
Calculator Inputs
Government Grants & Incentives
\r\nThe government grants and incentives projection are based solely on basic Canada Education Savings Grant (CESG) and assuming no carry forward room, an annual maximum benefit of $500 per beneficiary, and lifetime maximum benefit of $7,200 per beneficiary. For more information regarding CESG, visit the Government of Canada's Canada Education Savings Grant (CESG) page.\r\nBeneficiaries are eligible to earn basic CESG until the age of 17. However, for beneficiaries to qualify for CESG at age 16 & 17, previous contributions will need to meet certain conditions to qualify. For more information about eligibility conditions, visit the Government of Canada's Canada Education Savings Grant (CESG) – Eligibility page.\r\nCustomers may be qualified for additional government grants and benefits that are not included in the projection such as the Canada Learning Bond (CLB), Additional CESG (A-CESG), and provincial grants. For more information about such additional CESG, visit the Government of Canada's Canada Education Savings Grant (CESG) – How much a child should get page. For more information about CLB eligibility, visit the Government of Canada's Canada Learning Bond (CLB) page. For more information about provincial grants, visit the Government of Canada's Provincial education savings incentives page.\r\n\r\n"}}" id="text-88bb7646e9" class="cmp-text"> The government grants and incentives projection are based solely on basic Canada Education Savings Grant (CESG) and assuming no carry forward room, an annual maximum benefit of $500 per beneficiary, and lifetime maximum benefit of $7,200 per beneficiary. For more information regarding CESG, visit the Government of Canada's Canada Education Savings Grant (CESG) page. Beneficiaries are eligible to earn basic CESG until the age of 17. However, for beneficiaries to qualify for CESG at age 16 & 17, previous contributions will need to meet certain conditions to qualify. For more information about eligibility conditions, visit the Government of Canada's Canada Education Savings Grant (CESG) – Eligibility page. Customers may be qualified for additional government grants and benefits that are not included in the projection such as the Canada Learning Bond (CLB), Additional CESG (A-CESG), and provincial grants. For more information about such additional CESG, visit the Government of Canada's Canada Education Savings Grant (CESG) – How much a child should get page. For more information about CLB eligibility, visit the Government of Canada's Canada Learning Bond (CLB) page. For more information about provincial grants, visit the Government of Canada's Provincial education savings incentives page. Other Calculator Projections\r\n"}}" id="text-2986ec0ec0" class="cmp-text">Other Calculator Projections
\r\nTotal education costs projections assume a 2% increase in tuition and other annual costs for a four year post-secondary education program.\r\nNo funds will be withdrawn until the child reaches the age they are estimated to start their post-secondary education.\r\nThe current RESP savings are immediate and then incremental contributions are at the start of the "next" recurring period. (Example: customer has $1000 in RESP savings today and sets up a monthly recurring payment. The first recurring contribution does not occur in the account until the following month.)\r\nThe growth shown is pre-tax within the RESP savings calculations. Withdrawals from the grants and growth portion of an RESP may be taxed at the beneficiary's income level.\r\nThe growth projection is an approximation based on the inputs provided by the customer. Other registered plans and non-registered savings are not considered.\r\nAll rates of return (chosen by the customer) are reflected as a full year of return in the chart.\r\nInterest rate: Default 5.00%, range 0.00% - 15.00%
\r\nTimeline: Default is 18 years. Range is from 1 – 31 years\r\n\r\n"}}" id="text-6078fe9b80" class="cmp-text"> Total education costs projections assume a 2% increase in tuition and other annual costs for a four year post-secondary education program. No funds will be withdrawn until the child reaches the age they are estimated to start their post-secondary education. The current RESP savings are immediate and then incremental contributions are at the start of the "next" recurring period. (Example: customer has $1000 in RESP savings today and sets up a monthly recurring payment. The first recurring contribution does not occur in the account until the following month.) The growth shown is pre-tax within the RESP savings calculations. Withdrawals from the grants and growth portion of an RESP may be taxed at the beneficiary's income level. The growth projection is an approximation based on the inputs provided by the customer. Other registered plans and non-registered savings are not considered. All rates of return (chosen by the customer) are reflected as a full year of return in the chart.
Interest rate: Default 5.00%, range 0.00% - 15.00%
Timeline: Default is 18 years. Range is from 1 – 31 years Tips and advice to help you get started with RESP RESP Rules & Contribution Limits
Learn about all the rules concerning RESP contributions and how to make the most of your RESP savings.
Individual or Family RESP: Which is right for you?Learn about the difference between a family and individual RESP plan to help determine which may be best suited your needs.
RESP Withdrawal Rules & LimitsLearn about all the rules concerning RESP withdrawals and how you can make the most of your RESP savings.
See more articles Legal\r\n"}}" id="text-a256b4e5f5" class="cmp-text">Legal
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The results of this calculator depend on the accuracy of the information you have supplied and on the stated assumptions, and are for general information purposes only. Results do not reflect actual costs or returns. Ensure that you obtain specific financial, tax and/or legal advice from a qualified and licensed professional for your unique financial circumstances before you make any financial decisions for you and/or your family.\r\n"}}" id="text-4a5c14433b" class="cmp-text">The results of this calculator depend on the accuracy of the information you have supplied and on the stated assumptions, and are for general information purposes only. Results do not reflect actual costs or returns. Ensure that you obtain specific financial, tax and/or legal advice from a qualified and licensed professional for your unique financial circumstances before you make any financial decisions for you and/or your family.
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