← All terms
Tax and Accounts

RESP (Registered Education Savings Plan)

Registered account for funding a beneficiary's post-secondary education.

Definition

Contributions are not tax-deductible but growth is tax-deferred and withdrawn as Educational Assistance Payments (EAP) taxed in the student's hands. Lifetime contribution limit is $50,000 per beneficiary. Eligible for the Canada Education Savings Grant (CESG) — 20% match on the first $2,500/year, lifetime maximum $7,200.

Source

Income Tax Act; Canada Education Savings Act

AI case study

See how RESP (Registered Education Savings Plan) applies in practice

One named-role scenario with realistic numbers and the rule citation.

Want this kind of explanation on every wrong answer?

The Ciroexam AI tutor is grounded in the same primary sources you see cited above. Every wrong practice answer gets the rule that the distractor was testing.