Contribution Contribution Start Contribution End Cesg Rate Cesg Contribution
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Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $2,500.00 $500.00 $0.00 $0.00 $180.00 $3,180.00 1 $2,500.00 $500.00 $0.00 $0.00 $370.80 $6,550.80 2 $2,500.00 $500.00 $0.00 $0.00 $573.05 ### 3 $2,500.00 $500.00 $0.00 $0.00 $787.43 ### 4 $2,500.00 $500.00 $0.00 $0.00 ### ### 5 $2,500.00 $500.00 $0.00 $0.00 ### ### 6 $2,500.00 $500.00 $0.00 $0.00 ### ### 7 $2,500.00 $500.00 $0.00 $0.00 ### ### 8 $2,500.00 $500.00 $0.00 $0.00 ### ### 9 $2,500.00 $500.00 $0.00 $0.00 ### ### 10 $2,500.00 $500.00 $0.00 $0.00 ### ### 11 $2,500.00 $500.00 $0.00 $0.00 ### ### 12 $2,500.00 $500.00 $0.00 $0.00 ### ### 13 $2,500.00 $500.00 $0.00 $0.00 ### ### 14 $2,500.00 $200.00 $0.00 $0.00 ### ### 15 $2,500.00 $0.00 $0.00 $0.00 ### ### 16 $2,500.00 $0.00 $0.00 $0.00 ### ### 17 $2,500.00 $0.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-1,600.00 ### ### 19 $0.00 $0.00 ### $-1,728.00 ### ### 20 $0.00 $0.00 ### $-1,402.60 ### ### 21 $0.00 $0.00 ### $0.00 ### ###
RESP Contribution $45,000.00 Gain $55,602.60 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall $0.00 CESG Grant Return $0.00 AIP $0.00 Net Total $23,072.00
TFSA ### ### ### $0.00 $0.00 $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $2,500.00 $0.00 ### $2,650.00 $2,500.00 $0.00 ### $5,459.00 $2,500.00 $0.00 ### $8,436.54 $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 30%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $2,500.00 $500.00 $0.00 $0.00 $180.00 $3,180.00 1 $2,500.00 $500.00 $0.00 $0.00 $370.80 $6,550.80 2 $2,500.00 $500.00 $0.00 $0.00 $573.05 ### 3 $2,500.00 $500.00 $0.00 $0.00 $787.43 ### 4 $2,500.00 $500.00 $0.00 $0.00 ### ### 5 $2,500.00 $500.00 $0.00 $0.00 ### ### 6 $2,500.00 $500.00 $0.00 $0.00 ### ### 7 $2,500.00 $500.00 $0.00 $0.00 ### ### 8 $2,500.00 $500.00 $0.00 $0.00 ### ### 9 $2,500.00 $500.00 $0.00 $0.00 ### ### 10 $2,500.00 $500.00 $0.00 $0.00 ### ### 11 $2,500.00 $500.00 $0.00 $0.00 ### ### 12 $2,500.00 $500.00 $0.00 $0.00 ### ### 13 $2,500.00 $500.00 $0.00 $0.00 ### ### 14 $2,500.00 $200.00 $0.00 $0.00 ### ### 15 $2,500.00 $0.00 $0.00 $0.00 ### ### 16 $2,500.00 $0.00 $0.00 $0.00 ### ### 17 $2,500.00 $0.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-6,000.00 ### ### 19 $0.00 $0.00 ### $-7,800.00 ### ### 20 $0.00 $0.00 ### $-3,667.31 ### ### 21 $0.00 $0.00 ### $0.00 $438.15 $7,740.63
RESP Contribution $45,000.00 Gain $53,007.94 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall $0.00 CESG Grant Return $0.00 AIP $0.00 Net Total $7,740.63
TFSA ### ### ### $0.00 $0.00 $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $2,500.00 $0.00 ### $2,650.00 $2,500.00 $0.00 ### $5,459.00 $2,500.00 $0.00 ### $8,436.54 $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $50,000 18 21 21%
RESP Contribution Grant WithdrawalTax Gain 0 $5,000.00 $500.00 $0.00 $0.00 $330.00 1 $5,000.00 $500.00 $0.00 $0.00 $679.80 2 $5,000.00 $500.00 $0.00 $0.00 $1,050.59 3 $5,000.00 $500.00 $0.00 $0.00 $1,443.62 4 $5,000.00 $500.00 $0.00 $0.00 $1,860.24 5 $5,000.00 $500.00 $0.00 $0.00 $2,301.86 6 $5,000.00 $500.00 $0.00 $0.00 $2,769.97 7 $5,000.00 $500.00 $0.00 $0.00 $3,266.16 8 $5,000.00 $500.00 $0.00 $0.00 $3,792.13 9 $5,000.00 $500.00 $0.00 $0.00 $4,349.66 10 $5,000.00 $500.00 $0.00 $0.00 $4,940.64 11 $5,000.00 $500.00 $0.00 $0.00 $5,567.08 12 $5,000.00 $500.00 $0.00 $0.00 $6,231.11 13 $5,000.00 $500.00 $0.00 $0.00 $6,934.97 14 $5,000.00 $200.00 $0.00 $0.00 $7,663.07 15 $5,000.00 $0.00 $0.00 $0.00 $8,422.85 16 $5,000.00 $0.00 $0.00 $0.00 $9,228.23 17 $5,000.00 $0.00 $0.00 $0.00 ### 18 $0.00 $0.00 ### ### $7,056.83 19 $0.00 $0.00 ### $-9,485.85 $3,911.09 20 $0.00 $0.00 ### $0.00 $1,145.76 21 $0.00 $0.00 ### $0.00 $0.00
RESP TFSA Contribution $90,000.00 $90,000.00 Gain $93,027.59 $86,357.57 Withdrawal (incl. tax) ### ### Gain Remaining $0.00 $0.00 Expense shortfall ### ### CESG Grant Return $0.00 $0.00 AIP $0.00 $0.00 Net Total ### ###
TFSA Total Contribution Withdrawal Gain Total $5,830.00 $5,000.00 $0.00 $300.00 $5,300.00 $12,009.80 $5,000.00 $0.00 $618.00 $10,918.00 $18,560.39 $5,000.00 $0.00 $955.08 $16,873.08 $25,504.01 $5,000.00 $0.00 ### $23,185.46 $32,864.25 $5,000.00 $0.00 ### $29,876.59 $40,666.11 $5,000.00 $0.00 ### $36,969.19 $48,936.07 $5,000.00 $0.00 ### $44,487.34 $57,702.24 $5,000.00 $0.00 ### $52,456.58 $66,994.37 $5,000.00 $0.00 ### $60,903.97 $76,844.03 $5,000.00 $0.00 ### $69,858.21 $87,284.68 $5,000.00 $0.00 ### $79,349.71 $98,351.76 $5,000.00 $0.00 ### $89,410.69 ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $0.00 ### ### ### $78,581.83 $0.00 ### ### $74,865.63 $20,241.73 $0.00 ### ### $26,357.57 $0.00 $0.00 ### $0.00 $0.00
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty rate
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $50,000 18 21 21% 46% 20% RESP + TFSA
Year
Contribution RESP TFSA 0 $2,500.00 $2,500.00 1 $2,500.00 $2,500.00 2 $2,500.00 $2,500.00 3 $2,500.00 $2,500.00 4 $2,500.00 $2,500.00 5 $2,500.00 $2,500.00 6 $2,500.00 $2,500.00 7 $2,500.00 $2,500.00 8 $2,500.00 $2,500.00 9 $2,500.00 $2,500.00 10 $2,500.00 $2,500.00 11 $2,500.00 $2,500.00 12 $2,500.00 $2,500.00 13 $2,500.00 $2,500.00 14 $1,000.00 $4,000.00 15 $0.00 $5,000.00 16 $0.00 $5,000.00 17 $0.00 $5,000.00 18 $0.00 $0.00 19 $0.00 $0.00 20 $0.00 $0.00 21 $0.00 $0.00
RESP + TFSA TFSA Contribution $90,000.00 $90,000.00 Gain $94,885.27 $86,357.57 Withdrawal (incl. tax) ### ### Gain Remaining $0.00 $0.00
Withdrawal Grant RESP TFSA $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### $0.00 $0.00 ### ### $0.00 $0.00 ### $0.00 $0.00 ###
Expense shortfall CESG Grant Return AIP Net Total
### $0.00 $0.00 ###
### $0.00 $0.00 ###
RESP + TFSA Gain Balance Tax RESP TFSA RESP TFSA Total Contribution $0.00 $180.00 $150.00 $3,180.00 $2,650.00 $5,830.00 $5,000.00 $0.00 $370.80 $309.00 $6,550.80 $5,459.00 $12,009.80 $5,000.00 $0.00 $573.05 $477.54 $10,123.85 $8,436.54 $18,560.39 $5,000.00 $0.00 $787.43 $656.19 $13,911.28 $11,592.73 $25,504.01 $5,000.00 $0.00 $1,014.68 $845.56 $17,925.96 $14,938.30 $32,864.25 $5,000.00 $0.00 $1,255.56 $1,046.30 $22,181.51 $18,484.59 $40,666.11 $5,000.00 $0.00 $1,510.89 $1,259.08 $26,692.40 $22,243.67 $48,936.07 $5,000.00 $0.00 $1,781.54 $1,484.62 $31,473.95 $26,228.29 $57,702.24 $5,000.00 $0.00 $2,068.44 $1,723.70 $36,542.38 $30,451.99 $66,994.37 $5,000.00 $0.00 $2,372.54 $1,977.12 $41,914.93 $34,929.11 $76,844.03 $5,000.00 $0.00 $2,694.90 $2,245.75 $47,609.82 $39,674.85 $87,284.68 $5,000.00 $0.00 $3,036.59 $2,530.49 $53,646.41 $44,705.34 $98,351.76 $5,000.00 $0.00 $3,398.78 $2,832.32 $60,045.20 $50,037.66 ### $5,000.00 $0.00 $3,782.71 $3,152.26 $66,827.91 $55,689.92 ### $5,000.00 $0.00 $4,081.67 $3,581.40 $72,109.58 $63,271.32 ### $5,000.00 $0.00 $4,326.58 $4,096.28 $76,436.16 $72,367.60 ### $5,000.00 $0.00 $4,586.17 $4,642.06 $81,022.33 $82,009.66 ### $5,000.00 $0.00 $4,861.34 $5,220.58 $85,883.67 $92,230.23 ### $5,000.00 ### $2,153.02 $5,533.81 $38,036.69 $97,764.05 ### $0.00 $-427.70 $0.00 $4,519.51 $0.00 $79,844.68 $79,844.68 $0.00 $0.00 $0.00 $1,765.02 $0.00 $31,181.99 $31,181.99 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
TFSA
TFSA Withdrawal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### ### ### ###
Gain Total $300.00 $5,300.00 $618.00 $10,918.00 $955.08 $16,873.08 ### $23,185.46 ### $29,876.59 ### $36,969.19 ### $44,487.34 ### $52,456.58 ### $60,903.97 ### $69,858.21 ### $79,349.71 ### $89,410.69 ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### $74,865.63 ### $26,357.57 $0.00 $0.00
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty tax rate
Year
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8% 46% 20%
RESP Contribution Grant WithdrawalTax Gain 0 $5,000.00 $500.00 $0.00 $0.00 $330.00 1 $5,000.00 $500.00 $0.00 $0.00 $679.80 2 $5,000.00 $500.00 $0.00 $0.00 $1,050.59 3 $5,000.00 $500.00 $0.00 $0.00 $1,443.62 4 $5,000.00 $500.00 $0.00 $0.00 $1,860.24 5 $5,000.00 $500.00 $0.00 $0.00 $2,301.86 6 $5,000.00 $500.00 $0.00 $0.00 $2,769.97 7 $5,000.00 $500.00 $0.00 $0.00 $3,266.16 8 $5,000.00 $500.00 $0.00 $0.00 $3,792.13 9 $5,000.00 $500.00 $0.00 $0.00 $4,349.66 10 $5,000.00 $500.00 $0.00 $0.00 $4,940.64 11 $5,000.00 $500.00 $0.00 $0.00 $5,567.08 12 $5,000.00 $500.00 $0.00 $0.00 $6,231.11 13 $5,000.00 $500.00 $0.00 $0.00 $6,934.97 14 $5,000.00 $200.00 $0.00 $0.00 $7,663.07 15 $5,000.00 $0.00 $0.00 $0.00 $8,422.85 16 $5,000.00 $0.00 $0.00 $0.00 $9,228.23 17 $5,000.00 $0.00 $0.00 $0.00 ### 18 $0.00 $0.00 ### $-1,600.00 $9,390.83 19 $0.00 $0.00 ### $-1,728.00 $8,650.60 20 $0.00 $0.00 ### $-1,738.24 $7,865.35 21 $0.00 $0.00 ### $-1,739.06 $7,032.92
RESP Contribution $90,000.00 Gain ### Withdrawal (incl. tax) ### Gain Remaining $27,048.31 Expense shortfall $0.00 CESG Grant Return $-7,200.00
TFSA ### ### ### ### $0.00 $0.00
AIP AIP Tax Net Total
$27,048.31 ### $99,196.43
$0.00 $0.00 ###
TFSA Total Contribution Withdrawal Gain Total $5,830.00 $5,000.00 $0.00 $300.00 $5,300.00 $12,009.80 $5,000.00 $0.00 $618.00 $10,918.00 $18,560.39 $5,000.00 $0.00 $955.08 $16,873.08 $25,504.01 $5,000.00 $0.00 ### $23,185.46 $32,864.25 $5,000.00 $0.00 ### $29,876.59 $40,666.11 $5,000.00 $0.00 ### $36,969.19 $48,936.07 $5,000.00 $0.00 ### $44,487.34 $57,702.24 $5,000.00 $0.00 ### $52,456.58 $66,994.37 $5,000.00 $0.00 ### $60,903.97 $76,844.03 $5,000.00 $0.00 ### $69,858.21 $87,284.68 $5,000.00 $0.00 ### $79,349.71 $98,351.76 $5,000.00 $0.00 ### $89,410.69 ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty rate
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8% 46% 20% RESP + TFSA
Year
Contribution RESP TFSA 0 $2,500.00 $2,500.00 1 $2,500.00 $2,500.00 2 $2,500.00 $2,500.00 3 $2,500.00 $2,500.00 4 $2,500.00 $2,500.00 5 $2,500.00 $2,500.00 6 $2,500.00 $2,500.00 7 $2,500.00 $2,500.00 8 $2,500.00 $2,500.00 9 $2,500.00 $2,500.00 10 $2,500.00 $2,500.00 11 $2,500.00 $2,500.00 12 $2,500.00 $2,500.00 13 $2,500.00 $2,500.00 14 $1,000.00 $4,000.00 15 $0.00 $5,000.00 16 $0.00 $5,000.00 17 $0.00 $5,000.00 18 $0.00 $0.00 19 $0.00 $0.00 20 $0.00 $0.00 21 $0.00 $0.00
RESP + TFSA TFSA Contribution $90,000.00 $90,000.00 Gain ### ### Withdrawal (incl. tax) ### ### Gain Remaining $29,792.53 $24,051.81
Withdrawal Grant RESP TFSA $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### $0.00 $0.00 ### $0.00 $0.00 ### $0.00 $0.00 ### $0.00
Expense shortfall CESG Grant Return AIP Net Total
$0.00 $0.00 $0.00 ###
$0.00 $0.00 $0.00 ###
RESP + TFSA Gain Balance Tax RESP TFSA RESP TFSA Total Contribution $0.00 $180.00 $150.00 $3,180.00 $2,650.00 $5,830.00 $5,000.00 $0.00 $370.80 $309.00 $6,550.80 $5,459.00 $12,009.80 $5,000.00 $0.00 $573.05 $477.54 $10,123.85 $8,436.54 $18,560.39 $5,000.00 $0.00 $787.43 $656.19 $13,911.28 $11,592.73 $25,504.01 $5,000.00 $0.00 $1,014.68 $845.56 $17,925.96 $14,938.30 $32,864.25 $5,000.00 $0.00 $1,255.56 $1,046.30 $22,181.51 $18,484.59 $40,666.11 $5,000.00 $0.00 $1,510.89 $1,259.08 $26,692.40 $22,243.67 $48,936.07 $5,000.00 $0.00 $1,781.54 $1,484.62 $31,473.95 $26,228.29 $57,702.24 $5,000.00 $0.00 $2,068.44 $1,723.70 $36,542.38 $30,451.99 $66,994.37 $5,000.00 $0.00 $2,372.54 $1,977.12 $41,914.93 $34,929.11 $76,844.03 $5,000.00 $0.00 $2,694.90 $2,245.75 $47,609.82 $39,674.85 $87,284.68 $5,000.00 $0.00 $3,036.59 $2,530.49 $53,646.41 $44,705.34 $98,351.76 $5,000.00 $0.00 $3,398.78 $2,832.32 $60,045.20 $50,037.66 ### $5,000.00 $0.00 $3,782.71 $3,152.26 $66,827.91 $55,689.92 ### $5,000.00 $0.00 $4,081.67 $3,581.40 $72,109.58 $63,271.32 ### $5,000.00 $0.00 $4,326.58 $4,096.28 $76,436.16 $72,367.60 ### $5,000.00 $0.00 $4,586.17 $4,642.06 $81,022.33 $82,009.66 ### $5,000.00 $0.00 $4,861.34 $5,220.58 $85,883.67 $92,230.23 ### $5,000.00 $-1,600.00 $3,953.02 $5,533.81 $69,836.69 $97,764.05 ### $0.00 $-1,728.00 $2,894.20 $5,865.84 $51,130.89 ### ### $0.00 $-1,210.47 $1,764.17 $6,217.79 $31,167.06 ### ### $0.00 $0.00 $597.40 $6,590.86 $10,553.99 ### ### $0.00
TFSA
TFSA Withdrawal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### ### ### ###
Gain Total $300.00 $5,300.00 $618.00 $10,918.00 $955.08 $16,873.08 ### $23,185.46 ### $29,876.59 ### $36,969.19 ### $44,487.34 ### $52,456.58 ### $60,903.97 ### $69,858.21 ### $79,349.71 ### $89,410.69 ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty tax rate
Year
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8% 46% 20%
RESP Contribution Grant WithdrawalTax Gain 0 $5,000.00 $500.00 $0.00 $0.00 $330.00 1 $5,000.00 $500.00 $0.00 $0.00 $679.80 2 $5,000.00 $500.00 $0.00 $0.00 $1,050.59 3 $5,000.00 $500.00 $0.00 $0.00 $1,443.62 4 $5,000.00 $500.00 $0.00 $0.00 $1,860.24 5 $5,000.00 $500.00 $0.00 $0.00 $2,301.86 6 $5,000.00 $500.00 $0.00 $0.00 $2,769.97 7 $5,000.00 $500.00 $0.00 $0.00 $3,266.16 8 $5,000.00 $500.00 $0.00 $0.00 $3,792.13 9 $5,000.00 $500.00 $0.00 $0.00 $4,349.66 10 $5,000.00 $500.00 $0.00 $0.00 $4,940.64 11 $5,000.00 $500.00 $0.00 $0.00 $5,567.08 12 $5,000.00 $500.00 $0.00 $0.00 $6,231.11 13 $5,000.00 $500.00 $0.00 $0.00 $6,934.97 14 $5,000.00 $200.00 $0.00 $0.00 $7,663.07 15 $5,000.00 $0.00 $0.00 $0.00 $8,422.85 16 $5,000.00 $0.00 $0.00 $0.00 $9,228.23 17 $5,000.00 $0.00 $0.00 $0.00 ### 18 $0.00 $0.00 ### $-1,600.00 $9,390.83 19 $0.00 $0.00 ### $-1,728.00 $8,650.60 20 $0.00 $0.00 ### $-1,738.24 $7,865.35 21 $0.00 $0.00 ### $-1,739.06 $7,032.92
RESP Contribution $90,000.00 Gain ### Withdrawal (incl. tax) ### Gain Remaining $27,048.31 Expense shortfall $0.00 CESG Grant Return $-7,200.00
TFSA ### ### ### ### $0.00 $0.00
AIP AIP Tax Net Total
$27,048.31 $0.00 ###
$0.00 $0.00 ###
TFSA Total Contribution Withdrawal Gain Total $5,830.00 $5,000.00 $0.00 $300.00 $5,300.00 $12,009.80 $5,000.00 $0.00 $618.00 $10,918.00 $18,560.39 $5,000.00 $0.00 $955.08 $16,873.08 $25,504.01 $5,000.00 $0.00 ### $23,185.46 $32,864.25 $5,000.00 $0.00 ### $29,876.59 $40,666.11 $5,000.00 $0.00 ### $36,969.19 $48,936.07 $5,000.00 $0.00 ### $44,487.34 $57,702.24 $5,000.00 $0.00 ### $52,456.58 $66,994.37 $5,000.00 $0.00 ### $60,903.97 $76,844.03 $5,000.00 $0.00 ### $69,858.21 $87,284.68 $5,000.00 $0.00 ### $79,349.71 $98,351.76 $5,000.00 $0.00 ### $89,410.69 ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit CLB Initial CLB per year CLB Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 17 40% $2,500 $1,000 $7,200 $500 $100 $2,000 6% $20,000 18 21 8%
RESP Contribution CESG CLB WithdrawalTax Gain 0 $2,500.00 $1,000.00 ### $0.00 $0.00 $240.00 1 $2,500.00 $1,000.00 ### $0.00 $0.00 $470.40 2 $2,500.00 $1,000.00 ### $0.00 $0.00 $738.62 3 $2,500.00 $1,000.00 ### $0.00 $0.00 $998.94 4 $2,500.00 $1,000.00 ### $0.00 $0.00 $1,274.88 5 $2,500.00 $1,000.00 ### $0.00 $0.00 $1,567.37 6 $2,500.00 $1,000.00 ### $0.00 $0.00 $1,877.41 7 $2,500.00 $200.00 ### $0.00 $0.00 $2,158.06 8 $2,500.00 $0.00 ### $0.00 $0.00 $2,443.54 9 $2,500.00 $0.00 ### $0.00 $0.00 $2,746.15 10 $2,500.00 $0.00 ### $0.00 $0.00 $3,066.92 11 $2,500.00 $0.00 ### $0.00 $0.00 $3,406.94 12 $2,500.00 $0.00 ### $0.00 $0.00 $3,767.35 13 $2,500.00 $0.00 ### $0.00 $0.00 $4,149.40 14 $2,500.00 $0.00 ### $0.00 $0.00 $4,554.36 15 $2,500.00 $0.00 ### $0.00 $0.00 $4,983.62 16 $2,500.00 $0.00 $0.00 $0.00 $0.00 $5,432.64 17 $2,500.00 $0.00 $0.00 $0.00 $0.00 $5,914.60 18 $0.00 $0.00 $0.00 ### $-1,600.00 $4,973.47 19 $0.00 $0.00 $0.00 ### $-1,728.00 $3,968.20 20 $0.00 $0.00 $0.00 ### $-1,738.24 $2,902.00 21 $0.00 $0.00 $0.00 ### $-640.55 $1,837.69
RESP TFSA Contribution $45,000.00 $45,000.00 Gain $63,472.56 $45,654.98 Withdrawal (incl. tax) ### ### Gain Remaining $0.00 $0.00 Expense shortfall $0.00 $0.00
CESG Grant Return $0.00 $0.00 AIP $0.00 $0.00 Net Total $32,465.77 $10,654.98
TFSA Total Contribution Withdrawal Gain Total $4,240.00 $2,500.00 $0.00 $150.00 $2,650.00 $8,710.40 $2,500.00 $0.00 $309.00 $5,459.00 $13,049.02 $2,500.00 $0.00 $477.54 $8,436.54 $17,647.97 $2,500.00 $0.00 $656.19 $11,592.73 $22,522.84 $2,500.00 $0.00 $845.56 $14,938.30 $27,690.21 $2,500.00 $0.00 ### $18,484.59 $33,167.63 $2,500.00 $0.00 ### $22,243.67 $38,125.68 $2,500.00 $0.00 ### $26,228.29 $43,169.23 $2,500.00 $0.00 ### $30,451.99 $48,515.38 $2,500.00 $0.00 ### $34,929.11 $54,182.30 $2,500.00 $0.00 ### $39,674.85 $60,189.24 $2,500.00 $0.00 ### $44,705.34 $66,556.59 $2,500.00 $0.00 ### $50,037.66 $73,305.99 $2,500.00 $0.00 ### $55,689.92 $80,460.35 $2,500.00 $0.00 ### $61,681.32 $88,043.97 $2,500.00 $0.00 ### $68,032.20 $96,076.61 $2,500.00 $0.00 ### $74,764.13 ### $2,500.00 $0.00 ### $81,899.98 $89,464.68 $0.00 ### ### $65,613.98 $71,832.88 $0.00 ### ### $48,350.82 $53,006.88 $0.00 ### ### $30,051.87 $33,106.32 $0.00 ### $603.11 $10,654.98
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$5,000 10 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 1 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 3 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 4 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 5 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 6 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 7 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 8 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 9 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 10 $5,000.00 $1,000.00 $0.00 $0.00 $360.00 $6,360.00 11 $5,000.00 $1,000.00 $0.00 $0.00 $741.60 ### 12 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 13 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 14 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 15 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 16 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 17 $5,000.00 $200.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-1,600.00 ### ### 19 $0.00 $0.00 ### $-362.39 ### ### 20 $0.00 $0.00 ### $0.00 $235.29 $4,156.84 21 $0.00 $0.00 $-4,156.84 $0.00 $0.00 $0.00
RESP Contribution $40,000.00 Gain $18,919.23 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall ### CESG Grant Return $0.00 AIP $0.00 Net Total ###
TFSA ### ### ### $0.00 ### $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5,000.00 $0.00 $300.00 $5,300.00 $5,000.00 $0.00 $618.00 ### $5,000.00 $0.00 $955.08 ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### $864.24 ### $0.00 ### $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate Subscriber marginal tax rate AIP penalty tax rate
Year
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $0 0 0 0% 46% 20%
RESP Contribution Grant WithdrawalTax 0 $2,500.00 $500.00 $0.00 1 $2,500.00 $500.00 $0.00 2 $2,500.00 $500.00 $0.00 3 $2,500.00 $500.00 $0.00 4 $2,500.00 $500.00 $0.00 5 $2,500.00 $500.00 $0.00 6 $2,500.00 $500.00 $0.00 7 $2,500.00 $500.00 $0.00 8 $2,500.00 $500.00 $0.00 9 $2,500.00 $500.00 $0.00 10 $2,500.00 $500.00 $0.00 11 $2,500.00 $500.00 $0.00 12 $2,500.00 $500.00 $0.00 13 $2,500.00 $500.00 $0.00 14 $2,500.00 $200.00 $0.00 15 $2,500.00 $0.00 $0.00 16 $2,500.00 $0.00 $0.00 17 $2,500.00 $0.00 $0.00 18 $0.00 $0.00 $0.00 19 $0.00 $0.00 $0.00 20 $0.00 $0.00 $0.00 21 $0.00 $0.00 $0.00
Contribution Gain Withdrawal (incl. tax) Gain Remaining Expense shortfall CESG Grant Return
RESP $45,000.00 $69,267.86 $0.00 $69,267.86 $0.00 $-7,200.00
TFSA ### ### $0.00 ### $0.00 $0.00
Gain $0.00 $180.00 $0.00 $370.80 $0.00 $573.05 $0.00 $787.43 $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ###
AIP AIP Tax Net Total
$69,267.86 ### $68,551.07
$0.00 $0.00 ###
TFSA Total Contribution Withdrawal Gain Total $3,180.00 $2,500.00 $0.00 ### $2,650.00 $6,550.80 $2,500.00 $0.00 ### $5,459.00 ### $2,500.00 $0.00 ### $8,436.54 ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $0.00 $0.00 ### ### ### $0.00 $0.00 ### ### ### $0.00 $0.00 ### ### ### $0.00 $0.00 ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty rate
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $0 0 21 12% 46% 20% RESP + TFSA
Year
Contribution RESP TFSA 0 $2,500.00 $0.00 1 $2,500.00 $0.00 2 $2,500.00 $0.00 3 $2,500.00 $0.00 4 $2,500.00 $0.00 5 $2,500.00 $0.00 6 $2,500.00 $0.00 7 $2,500.00 $0.00 8 $2,500.00 $0.00 9 $2,500.00 $0.00 10 $2,500.00 $0.00 11 $2,500.00 $0.00 12 $2,500.00 $0.00 13 $2,500.00 $0.00 14 $1,000.00 $1,500.00 15 $0.00 $2,500.00 16 $0.00 $2,500.00 17 $0.00 $2,500.00 18 $0.00 $0.00 19 $0.00 $0.00 20 $0.00 $0.00 21 $0.00 $0.00
RESP + TFSA TFSA Contribution $45,000.00 $45,000.00 Gain $69,267.86 $58,396.84 Withdrawal (incl. tax) $0.00 $0.00 Gain Remaining $69,267.86 $58,396.84
Withdrawal Grant RESP TFSA $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Expense shortfall $0.00 CESG Grant Return $-7,200.00 AIP $65,226.15 AIP tax ### Net Total $71,218.60
$0.00 $0.00 $0.00 $0.00 ###
RESP + TFSA Gain Balance Tax RESP TFSA RESP TFSA Total Contribution $0.00 $180.00 $0.00 $3,180.00 $0.00 $3,180.00 $2,500.00 $0.00 $370.80 $0.00 $6,550.80 $0.00 $6,550.80 $2,500.00 $0.00 $573.05 $0.00 $10,123.85 $0.00 $10,123.85 $2,500.00 $0.00 $787.43 $0.00 $13,911.28 $0.00 $13,911.28 $2,500.00 $0.00 $1,014.68 $0.00 $17,925.96 $0.00 $17,925.96 $2,500.00 $0.00 $1,255.56 $0.00 $22,181.51 $0.00 $22,181.51 $2,500.00 $0.00 $1,510.89 $0.00 $26,692.40 $0.00 $26,692.40 $2,500.00 $0.00 $1,781.54 $0.00 $31,473.95 $0.00 $31,473.95 $2,500.00 $0.00 $2,068.44 $0.00 $36,542.38 $0.00 $36,542.38 $2,500.00 $0.00 $2,372.54 $0.00 $41,914.93 $0.00 $41,914.93 $2,500.00 $0.00 $2,694.90 $0.00 $47,609.82 $0.00 $47,609.82 $2,500.00 $0.00 $3,036.59 $0.00 $53,646.41 $0.00 $53,646.41 $2,500.00 $0.00 $3,398.78 $0.00 $60,045.20 $0.00 $60,045.20 $2,500.00 $0.00 $3,782.71 $0.00 $66,827.91 $0.00 $66,827.91 $2,500.00 $0.00 $4,081.67 $90.00 $72,109.58 $1,590.00 $73,699.58 $2,500.00 $0.00 $4,326.58 $245.40 $76,436.16 $4,335.40 $80,771.56 $2,500.00 $0.00 $4,586.17 $410.12 $81,022.33 $7,245.52 $88,267.85 $2,500.00 $0.00 $4,861.34 $584.73 $85,883.67 $10,330.26 $96,213.92 $2,500.00 $0.00 $5,153.02 $619.82 $91,036.69 $10,950.07 ### $0.00 $0.00 $5,462.20 $657.00 $96,498.89 $11,607.08 ### $0.00 $0.00 $5,789.93 $696.42 ### $12,303.50 ### $0.00 $0.00 $6,137.33 $738.21 ### $13,041.71 ### $0.00
TFSA
TFSA Withdrawal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Gain Total $150.00 $2,650.00 $309.00 $5,459.00 $477.54 $8,436.54 $656.19 $11,592.73 $845.56 $14,938.30 ### $18,484.59 ### $22,243.67 ### $26,228.29 ### $30,451.99 ### $34,929.11 ### $39,674.85 ### $44,705.34 ### $50,037.66 ### $55,689.92 ### $61,681.32 ### $68,032.20 ### $74,764.13 ### $81,899.98 ### $86,813.98 ### $92,022.82 ### $97,544.19 ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 10 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $2,500.00 $500.00 $0.00 $0.00 $180.00 $3,180.00 1 $2,500.00 $500.00 $0.00 $0.00 $370.80 $6,550.80 2 $2,500.00 $500.00 $0.00 $0.00 $573.05 ### 3 $2,500.00 $500.00 $0.00 $0.00 $787.43 ### 4 $2,500.00 $500.00 $0.00 $0.00 ### ### 5 $2,500.00 $500.00 $0.00 $0.00 ### ### 6 $2,500.00 $500.00 $0.00 $0.00 ### ### 7 $2,500.00 $500.00 $0.00 $0.00 ### ### 8 $2,500.00 $500.00 $0.00 $0.00 ### ### 9 $2,500.00 $500.00 $0.00 $0.00 ### ### 10 $2,500.00 $500.00 $0.00 $0.00 ### ### 11 $0.00 $0.00 $0.00 $0.00 ### ### 12 $0.00 $0.00 $0.00 $0.00 ### ### 13 $0.00 $0.00 $0.00 $0.00 ### ### 14 $0.00 $0.00 $0.00 $0.00 ### ### 15 $0.00 $0.00 $0.00 $0.00 ### ### 16 $0.00 $0.00 $0.00 $0.00 ### ### 17 $0.00 $0.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-1,600.00 ### ### 19 $0.00 $0.00 ### $-1,728.00 ### ### 20 $0.00 $0.00 ### $-588.99 $752.72 ### 21 $0.00 $0.00 ### $0.00 $0.00 $0.00
RESP Contribution $27,500.00 Gain $44,215.08 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall $-6,701.91 CESG Grant Return $0.00 AIP $0.00 Net Total $-6,701.91
TFSA ### ### ### $0.00 ### $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $2,500.00 $0.00 $150.00 $2,650.00 $2,500.00 $0.00 $309.00 $5,459.00 $2,500.00 $0.00 $477.54 $8,436.54 $2,500.00 $0.00 $656.19 ### $2,500.00 $0.00 $845.56 ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### $201.47 $3,559.30 $0.00 $-3,559.30 $0.00 $0.00
Year
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $2,500.00 $500.00 $0.00 $0.00 $180.00 $3,180.00 1 $2,500.00 $500.00 $0.00 $0.00 $370.80 $6,550.80 2 $2,500.00 $500.00 $0.00 $0.00 $573.05 ### 3 $2,500.00 $500.00 $0.00 $0.00 $787.43 ### 4 $2,500.00 $500.00 $0.00 $0.00 ### ### 5 $2,500.00 $500.00 $0.00 $0.00 ### ### 6 $2,500.00 $500.00 $0.00 $0.00 ### ### 7 $2,500.00 $500.00 $0.00 $0.00 ### ### 8 $2,500.00 $500.00 $0.00 $0.00 ### ### 9 $2,500.00 $500.00 $0.00 $0.00 ### ### 10 $2,500.00 $500.00 $0.00 $0.00 ### ### 11 $2,500.00 $500.00 $0.00 $0.00 ### ### 12 $2,500.00 $500.00 $0.00 $0.00 ### ### 13 $2,500.00 $500.00 $0.00 $0.00 ### ### 14 $2,500.00 $200.00 $0.00 $0.00 ### ### 15 $2,500.00 $0.00 $0.00 $0.00 ### ### 16 $2,500.00 $0.00 $0.00 $0.00 ### ### 17 $2,500.00 $0.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-1,600.00 ### ### 19 $0.00 $0.00 ### $-1,728.00 ### ### 20 $0.00 $0.00 ### $-1,402.60 ### ### 21 $0.00 $0.00 ### $0.00 ### ###
RESP Contribution $45,000.00 Gain $55,602.60 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall $0.00 CESG Grant Return $0.00 AIP $0.00 Net Total $23,072.00
TFSA ### ### ### $0.00 $0.00 $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $2,500.00 $0.00 ### $2,650.00 $2,500.00 $0.00 ### $5,459.00 $2,500.00 $0.00 ### $8,436.54 $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 30%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $2,500.00 $500.00 $0.00 $0.00 $180.00 $3,180.00 1 $2,500.00 $500.00 $0.00 $0.00 $370.80 $6,550.80 2 $2,500.00 $500.00 $0.00 $0.00 $573.05 ### 3 $2,500.00 $500.00 $0.00 $0.00 $787.43 ### 4 $2,500.00 $500.00 $0.00 $0.00 ### ### 5 $2,500.00 $500.00 $0.00 $0.00 ### ### 6 $2,500.00 $500.00 $0.00 $0.00 ### ### 7 $2,500.00 $500.00 $0.00 $0.00 ### ### 8 $2,500.00 $500.00 $0.00 $0.00 ### ### 9 $2,500.00 $500.00 $0.00 $0.00 ### ### 10 $2,500.00 $500.00 $0.00 $0.00 ### ### 11 $2,500.00 $500.00 $0.00 $0.00 ### ### 12 $2,500.00 $500.00 $0.00 $0.00 ### ### 13 $2,500.00 $500.00 $0.00 $0.00 ### ### 14 $2,500.00 $200.00 $0.00 $0.00 ### ### 15 $2,500.00 $0.00 $0.00 $0.00 ### ### 16 $2,500.00 $0.00 $0.00 $0.00 ### ### 17 $2,500.00 $0.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-6,000.00 ### ### 19 $0.00 $0.00 ### $-7,800.00 ### ### 20 $0.00 $0.00 ### $-3,667.31 ### ### 21 $0.00 $0.00 ### $0.00 $438.15 $7,740.63
RESP Contribution $45,000.00 Gain $53,007.94 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall $0.00 CESG Grant Return $0.00 AIP $0.00 Net Total $7,740.63
TFSA ### ### ### $0.00 $0.00 $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $2,500.00 $0.00 ### $2,650.00 $2,500.00 $0.00 ### $5,459.00 $2,500.00 $0.00 ### $8,436.54 $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $50,000 18 21 21%
RESP Contribution Grant WithdrawalTax Gain 0 $5,000.00 $500.00 $0.00 $0.00 $330.00 1 $5,000.00 $500.00 $0.00 $0.00 $679.80 2 $5,000.00 $500.00 $0.00 $0.00 $1,050.59 3 $5,000.00 $500.00 $0.00 $0.00 $1,443.62 4 $5,000.00 $500.00 $0.00 $0.00 $1,860.24 5 $5,000.00 $500.00 $0.00 $0.00 $2,301.86 6 $5,000.00 $500.00 $0.00 $0.00 $2,769.97 7 $5,000.00 $500.00 $0.00 $0.00 $3,266.16 8 $5,000.00 $500.00 $0.00 $0.00 $3,792.13 9 $5,000.00 $500.00 $0.00 $0.00 $4,349.66 10 $5,000.00 $500.00 $0.00 $0.00 $4,940.64 11 $5,000.00 $500.00 $0.00 $0.00 $5,567.08 12 $5,000.00 $500.00 $0.00 $0.00 $6,231.11 13 $5,000.00 $500.00 $0.00 $0.00 $6,934.97 14 $5,000.00 $200.00 $0.00 $0.00 $7,663.07 15 $5,000.00 $0.00 $0.00 $0.00 $8,422.85 16 $5,000.00 $0.00 $0.00 $0.00 $9,228.23 17 $5,000.00 $0.00 $0.00 $0.00 ### 18 $0.00 $0.00 ### ### $7,056.83 19 $0.00 $0.00 ### $-9,485.85 $3,911.09 20 $0.00 $0.00 ### $0.00 $1,145.76 21 $0.00 $0.00 ### $0.00 $0.00
RESP TFSA Contribution $90,000.00 $90,000.00 Gain $93,027.59 $86,357.57 Withdrawal (incl. tax) ### ### Gain Remaining $0.00 $0.00 Expense shortfall ### ### CESG Grant Return $0.00 $0.00 AIP $0.00 $0.00 Net Total ### ###
TFSA Total Contribution Withdrawal Gain Total $5,830.00 $5,000.00 $0.00 $300.00 $5,300.00 $12,009.80 $5,000.00 $0.00 $618.00 $10,918.00 $18,560.39 $5,000.00 $0.00 $955.08 $16,873.08 $25,504.01 $5,000.00 $0.00 ### $23,185.46 $32,864.25 $5,000.00 $0.00 ### $29,876.59 $40,666.11 $5,000.00 $0.00 ### $36,969.19 $48,936.07 $5,000.00 $0.00 ### $44,487.34 $57,702.24 $5,000.00 $0.00 ### $52,456.58 $66,994.37 $5,000.00 $0.00 ### $60,903.97 $76,844.03 $5,000.00 $0.00 ### $69,858.21 $87,284.68 $5,000.00 $0.00 ### $79,349.71 $98,351.76 $5,000.00 $0.00 ### $89,410.69 ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $0.00 ### ### ### $78,581.83 $0.00 ### ### $74,865.63 $20,241.73 $0.00 ### ### $26,357.57 $0.00 $0.00 ### $0.00 $0.00
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty rate
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $50,000 18 21 21% 46% 20% RESP + TFSA
Year
Contribution RESP TFSA 0 $2,500.00 $2,500.00 1 $2,500.00 $2,500.00 2 $2,500.00 $2,500.00 3 $2,500.00 $2,500.00 4 $2,500.00 $2,500.00 5 $2,500.00 $2,500.00 6 $2,500.00 $2,500.00 7 $2,500.00 $2,500.00 8 $2,500.00 $2,500.00 9 $2,500.00 $2,500.00 10 $2,500.00 $2,500.00 11 $2,500.00 $2,500.00 12 $2,500.00 $2,500.00 13 $2,500.00 $2,500.00 14 $1,000.00 $4,000.00 15 $0.00 $5,000.00 16 $0.00 $5,000.00 17 $0.00 $5,000.00 18 $0.00 $0.00 19 $0.00 $0.00 20 $0.00 $0.00 21 $0.00 $0.00
RESP + TFSA TFSA Contribution $90,000.00 $90,000.00 Gain $94,885.27 $86,357.57 Withdrawal (incl. tax) ### ### Gain Remaining $0.00 $0.00
Withdrawal Grant RESP TFSA $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### $0.00 $0.00 ### ### $0.00 $0.00 ### $0.00 $0.00 ###
Expense shortfall CESG Grant Return AIP Net Total
### $0.00 $0.00 ###
### $0.00 $0.00 ###
RESP + TFSA Gain Balance Tax RESP TFSA RESP TFSA Total Contribution $0.00 $180.00 $150.00 $3,180.00 $2,650.00 $5,830.00 $5,000.00 $0.00 $370.80 $309.00 $6,550.80 $5,459.00 $12,009.80 $5,000.00 $0.00 $573.05 $477.54 $10,123.85 $8,436.54 $18,560.39 $5,000.00 $0.00 $787.43 $656.19 $13,911.28 $11,592.73 $25,504.01 $5,000.00 $0.00 $1,014.68 $845.56 $17,925.96 $14,938.30 $32,864.25 $5,000.00 $0.00 $1,255.56 $1,046.30 $22,181.51 $18,484.59 $40,666.11 $5,000.00 $0.00 $1,510.89 $1,259.08 $26,692.40 $22,243.67 $48,936.07 $5,000.00 $0.00 $1,781.54 $1,484.62 $31,473.95 $26,228.29 $57,702.24 $5,000.00 $0.00 $2,068.44 $1,723.70 $36,542.38 $30,451.99 $66,994.37 $5,000.00 $0.00 $2,372.54 $1,977.12 $41,914.93 $34,929.11 $76,844.03 $5,000.00 $0.00 $2,694.90 $2,245.75 $47,609.82 $39,674.85 $87,284.68 $5,000.00 $0.00 $3,036.59 $2,530.49 $53,646.41 $44,705.34 $98,351.76 $5,000.00 $0.00 $3,398.78 $2,832.32 $60,045.20 $50,037.66 ### $5,000.00 $0.00 $3,782.71 $3,152.26 $66,827.91 $55,689.92 ### $5,000.00 $0.00 $4,081.67 $3,581.40 $72,109.58 $63,271.32 ### $5,000.00 $0.00 $4,326.58 $4,096.28 $76,436.16 $72,367.60 ### $5,000.00 $0.00 $4,586.17 $4,642.06 $81,022.33 $82,009.66 ### $5,000.00 $0.00 $4,861.34 $5,220.58 $85,883.67 $92,230.23 ### $5,000.00 ### $2,153.02 $5,533.81 $38,036.69 $97,764.05 ### $0.00 $-427.70 $0.00 $4,519.51 $0.00 $79,844.68 $79,844.68 $0.00 $0.00 $0.00 $1,765.02 $0.00 $31,181.99 $31,181.99 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
TFSA
TFSA Withdrawal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### ### ### ###
Gain Total $300.00 $5,300.00 $618.00 $10,918.00 $955.08 $16,873.08 ### $23,185.46 ### $29,876.59 ### $36,969.19 ### $44,487.34 ### $52,456.58 ### $60,903.97 ### $69,858.21 ### $79,349.71 ### $89,410.69 ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### $74,865.63 ### $26,357.57 $0.00 $0.00
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty tax rate
Year
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8% 46% 20%
RESP Contribution Grant WithdrawalTax Gain 0 $5,000.00 $500.00 $0.00 $0.00 $330.00 1 $5,000.00 $500.00 $0.00 $0.00 $679.80 2 $5,000.00 $500.00 $0.00 $0.00 $1,050.59 3 $5,000.00 $500.00 $0.00 $0.00 $1,443.62 4 $5,000.00 $500.00 $0.00 $0.00 $1,860.24 5 $5,000.00 $500.00 $0.00 $0.00 $2,301.86 6 $5,000.00 $500.00 $0.00 $0.00 $2,769.97 7 $5,000.00 $500.00 $0.00 $0.00 $3,266.16 8 $5,000.00 $500.00 $0.00 $0.00 $3,792.13 9 $5,000.00 $500.00 $0.00 $0.00 $4,349.66 10 $5,000.00 $500.00 $0.00 $0.00 $4,940.64 11 $5,000.00 $500.00 $0.00 $0.00 $5,567.08 12 $5,000.00 $500.00 $0.00 $0.00 $6,231.11 13 $5,000.00 $500.00 $0.00 $0.00 $6,934.97 14 $5,000.00 $200.00 $0.00 $0.00 $7,663.07 15 $5,000.00 $0.00 $0.00 $0.00 $8,422.85 16 $5,000.00 $0.00 $0.00 $0.00 $9,228.23 17 $5,000.00 $0.00 $0.00 $0.00 ### 18 $0.00 $0.00 ### $-1,600.00 $9,390.83 19 $0.00 $0.00 ### $-1,728.00 $8,650.60 20 $0.00 $0.00 ### $-1,738.24 $7,865.35 21 $0.00 $0.00 ### $-1,739.06 $7,032.92
RESP Contribution $90,000.00 Gain ### Withdrawal (incl. tax) ### Gain Remaining $27,048.31 Expense shortfall $0.00 CESG Grant Return $-7,200.00
TFSA ### ### ### ### $0.00 $0.00
AIP AIP Tax Net Total
$27,048.31 ### $99,196.43
$0.00 $0.00 ###
TFSA Total Contribution Withdrawal Gain Total $5,830.00 $5,000.00 $0.00 $300.00 $5,300.00 $12,009.80 $5,000.00 $0.00 $618.00 $10,918.00 $18,560.39 $5,000.00 $0.00 $955.08 $16,873.08 $25,504.01 $5,000.00 $0.00 ### $23,185.46 $32,864.25 $5,000.00 $0.00 ### $29,876.59 $40,666.11 $5,000.00 $0.00 ### $36,969.19 $48,936.07 $5,000.00 $0.00 ### $44,487.34 $57,702.24 $5,000.00 $0.00 ### $52,456.58 $66,994.37 $5,000.00 $0.00 ### $60,903.97 $76,844.03 $5,000.00 $0.00 ### $69,858.21 $87,284.68 $5,000.00 $0.00 ### $79,349.71 $98,351.76 $5,000.00 $0.00 ### $89,410.69 ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty rate
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8% 46% 20% RESP + TFSA
Year
Contribution RESP TFSA 0 $2,500.00 $2,500.00 1 $2,500.00 $2,500.00 2 $2,500.00 $2,500.00 3 $2,500.00 $2,500.00 4 $2,500.00 $2,500.00 5 $2,500.00 $2,500.00 6 $2,500.00 $2,500.00 7 $2,500.00 $2,500.00 8 $2,500.00 $2,500.00 9 $2,500.00 $2,500.00 10 $2,500.00 $2,500.00 11 $2,500.00 $2,500.00 12 $2,500.00 $2,500.00 13 $2,500.00 $2,500.00 14 $1,000.00 $4,000.00 15 $0.00 $5,000.00 16 $0.00 $5,000.00 17 $0.00 $5,000.00 18 $0.00 $0.00 19 $0.00 $0.00 20 $0.00 $0.00 21 $0.00 $0.00
RESP + TFSA TFSA Contribution $90,000.00 $90,000.00 Gain ### ### Withdrawal (incl. tax) ### ### Gain Remaining $29,792.53 $24,051.81
Withdrawal Grant RESP TFSA $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### $0.00 $0.00 ### $0.00 $0.00 ### $0.00 $0.00 ### $0.00
Expense shortfall CESG Grant Return AIP Net Total
$0.00 $0.00 $0.00 ###
$0.00 $0.00 $0.00 ###
RESP + TFSA Gain Balance Tax RESP TFSA RESP TFSA Total Contribution $0.00 $180.00 $150.00 $3,180.00 $2,650.00 $5,830.00 $5,000.00 $0.00 $370.80 $309.00 $6,550.80 $5,459.00 $12,009.80 $5,000.00 $0.00 $573.05 $477.54 $10,123.85 $8,436.54 $18,560.39 $5,000.00 $0.00 $787.43 $656.19 $13,911.28 $11,592.73 $25,504.01 $5,000.00 $0.00 $1,014.68 $845.56 $17,925.96 $14,938.30 $32,864.25 $5,000.00 $0.00 $1,255.56 $1,046.30 $22,181.51 $18,484.59 $40,666.11 $5,000.00 $0.00 $1,510.89 $1,259.08 $26,692.40 $22,243.67 $48,936.07 $5,000.00 $0.00 $1,781.54 $1,484.62 $31,473.95 $26,228.29 $57,702.24 $5,000.00 $0.00 $2,068.44 $1,723.70 $36,542.38 $30,451.99 $66,994.37 $5,000.00 $0.00 $2,372.54 $1,977.12 $41,914.93 $34,929.11 $76,844.03 $5,000.00 $0.00 $2,694.90 $2,245.75 $47,609.82 $39,674.85 $87,284.68 $5,000.00 $0.00 $3,036.59 $2,530.49 $53,646.41 $44,705.34 $98,351.76 $5,000.00 $0.00 $3,398.78 $2,832.32 $60,045.20 $50,037.66 ### $5,000.00 $0.00 $3,782.71 $3,152.26 $66,827.91 $55,689.92 ### $5,000.00 $0.00 $4,081.67 $3,581.40 $72,109.58 $63,271.32 ### $5,000.00 $0.00 $4,326.58 $4,096.28 $76,436.16 $72,367.60 ### $5,000.00 $0.00 $4,586.17 $4,642.06 $81,022.33 $82,009.66 ### $5,000.00 $0.00 $4,861.34 $5,220.58 $85,883.67 $92,230.23 ### $5,000.00 $-1,600.00 $3,953.02 $5,533.81 $69,836.69 $97,764.05 ### $0.00 $-1,728.00 $2,894.20 $5,865.84 $51,130.89 ### ### $0.00 $-1,210.47 $1,764.17 $6,217.79 $31,167.06 ### ### $0.00 $0.00 $597.40 $6,590.86 $10,553.99 ### ### $0.00
TFSA
TFSA Withdrawal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ### ### ### ###
Gain Total $300.00 $5,300.00 $618.00 $10,918.00 $955.08 $16,873.08 ### $23,185.46 ### $29,876.59 ### $36,969.19 ### $44,487.34 ### $52,456.58 ### $60,903.97 ### $69,858.21 ### $79,349.71 ### $89,410.69 ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty tax rate
Year
$5,000 0 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8% 46% 20%
RESP Contribution Grant WithdrawalTax Gain 0 $5,000.00 $500.00 $0.00 $0.00 $330.00 1 $5,000.00 $500.00 $0.00 $0.00 $679.80 2 $5,000.00 $500.00 $0.00 $0.00 $1,050.59 3 $5,000.00 $500.00 $0.00 $0.00 $1,443.62 4 $5,000.00 $500.00 $0.00 $0.00 $1,860.24 5 $5,000.00 $500.00 $0.00 $0.00 $2,301.86 6 $5,000.00 $500.00 $0.00 $0.00 $2,769.97 7 $5,000.00 $500.00 $0.00 $0.00 $3,266.16 8 $5,000.00 $500.00 $0.00 $0.00 $3,792.13 9 $5,000.00 $500.00 $0.00 $0.00 $4,349.66 10 $5,000.00 $500.00 $0.00 $0.00 $4,940.64 11 $5,000.00 $500.00 $0.00 $0.00 $5,567.08 12 $5,000.00 $500.00 $0.00 $0.00 $6,231.11 13 $5,000.00 $500.00 $0.00 $0.00 $6,934.97 14 $5,000.00 $200.00 $0.00 $0.00 $7,663.07 15 $5,000.00 $0.00 $0.00 $0.00 $8,422.85 16 $5,000.00 $0.00 $0.00 $0.00 $9,228.23 17 $5,000.00 $0.00 $0.00 $0.00 ### 18 $0.00 $0.00 ### $-1,600.00 $9,390.83 19 $0.00 $0.00 ### $-1,728.00 $8,650.60 20 $0.00 $0.00 ### $-1,738.24 $7,865.35 21 $0.00 $0.00 ### $-1,739.06 $7,032.92
RESP Contribution $90,000.00 Gain ### Withdrawal (incl. tax) ### Gain Remaining $27,048.31 Expense shortfall $0.00 CESG Grant Return $-7,200.00
TFSA ### ### ### ### $0.00 $0.00
AIP AIP Tax Net Total
$27,048.31 $0.00 ###
$0.00 $0.00 ###
TFSA Total Contribution Withdrawal Gain Total $5,830.00 $5,000.00 $0.00 $300.00 $5,300.00 $12,009.80 $5,000.00 $0.00 $618.00 $10,918.00 $18,560.39 $5,000.00 $0.00 $955.08 $16,873.08 $25,504.01 $5,000.00 $0.00 ### $23,185.46 $32,864.25 $5,000.00 $0.00 ### $29,876.59 $40,666.11 $5,000.00 $0.00 ### $36,969.19 $48,936.07 $5,000.00 $0.00 ### $44,487.34 $57,702.24 $5,000.00 $0.00 ### $52,456.58 $66,994.37 $5,000.00 $0.00 ### $60,903.97 $76,844.03 $5,000.00 $0.00 ### $69,858.21 $87,284.68 $5,000.00 $0.00 ### $79,349.71 $98,351.76 $5,000.00 $0.00 ### $89,410.69 ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $5,000.00 $0.00 ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ### ### $0.00 ### ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit CLB Initial CLB per year CLB Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 17 40% $2,500 $1,000 $7,200 $500 $100 $2,000 6% $20,000 18 21 8%
RESP Contribution CESG CLB WithdrawalTax Gain 0 $2,500.00 $1,000.00 ### $0.00 $0.00 $240.00 1 $2,500.00 $1,000.00 ### $0.00 $0.00 $470.40 2 $2,500.00 $1,000.00 ### $0.00 $0.00 $738.62 3 $2,500.00 $1,000.00 ### $0.00 $0.00 $998.94 4 $2,500.00 $1,000.00 ### $0.00 $0.00 $1,274.88 5 $2,500.00 $1,000.00 ### $0.00 $0.00 $1,567.37 6 $2,500.00 $1,000.00 ### $0.00 $0.00 $1,877.41 7 $2,500.00 $200.00 ### $0.00 $0.00 $2,158.06 8 $2,500.00 $0.00 ### $0.00 $0.00 $2,443.54 9 $2,500.00 $0.00 ### $0.00 $0.00 $2,746.15 10 $2,500.00 $0.00 ### $0.00 $0.00 $3,066.92 11 $2,500.00 $0.00 ### $0.00 $0.00 $3,406.94 12 $2,500.00 $0.00 ### $0.00 $0.00 $3,767.35 13 $2,500.00 $0.00 ### $0.00 $0.00 $4,149.40 14 $2,500.00 $0.00 ### $0.00 $0.00 $4,554.36 15 $2,500.00 $0.00 ### $0.00 $0.00 $4,983.62 16 $2,500.00 $0.00 $0.00 $0.00 $0.00 $5,432.64 17 $2,500.00 $0.00 $0.00 $0.00 $0.00 $5,914.60 18 $0.00 $0.00 $0.00 ### $-1,600.00 $4,973.47 19 $0.00 $0.00 $0.00 ### $-1,728.00 $3,968.20 20 $0.00 $0.00 $0.00 ### $-1,738.24 $2,902.00 21 $0.00 $0.00 $0.00 ### $-640.55 $1,837.69
RESP TFSA Contribution $45,000.00 $45,000.00 Gain $63,472.56 $45,654.98 Withdrawal (incl. tax) ### ### Gain Remaining $0.00 $0.00 Expense shortfall $0.00 $0.00
CESG Grant Return $0.00 $0.00 AIP $0.00 $0.00 Net Total $32,465.77 $10,654.98
TFSA Total Contribution Withdrawal Gain Total $4,240.00 $2,500.00 $0.00 $150.00 $2,650.00 $8,710.40 $2,500.00 $0.00 $309.00 $5,459.00 $13,049.02 $2,500.00 $0.00 $477.54 $8,436.54 $17,647.97 $2,500.00 $0.00 $656.19 $11,592.73 $22,522.84 $2,500.00 $0.00 $845.56 $14,938.30 $27,690.21 $2,500.00 $0.00 ### $18,484.59 $33,167.63 $2,500.00 $0.00 ### $22,243.67 $38,125.68 $2,500.00 $0.00 ### $26,228.29 $43,169.23 $2,500.00 $0.00 ### $30,451.99 $48,515.38 $2,500.00 $0.00 ### $34,929.11 $54,182.30 $2,500.00 $0.00 ### $39,674.85 $60,189.24 $2,500.00 $0.00 ### $44,705.34 $66,556.59 $2,500.00 $0.00 ### $50,037.66 $73,305.99 $2,500.00 $0.00 ### $55,689.92 $80,460.35 $2,500.00 $0.00 ### $61,681.32 $88,043.97 $2,500.00 $0.00 ### $68,032.20 $96,076.61 $2,500.00 $0.00 ### $74,764.13 ### $2,500.00 $0.00 ### $81,899.98 $89,464.68 $0.00 ### ### $65,613.98 $71,832.88 $0.00 ### ### $48,350.82 $53,006.88 $0.00 ### ### $30,051.87 $33,106.32 $0.00 ### $603.11 $10,654.98
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$5,000 10 17 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 1 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 3 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 4 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 5 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 6 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 7 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 8 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 9 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 10 $5,000.00 $1,000.00 $0.00 $0.00 $360.00 $6,360.00 11 $5,000.00 $1,000.00 $0.00 $0.00 $741.60 ### 12 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 13 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 14 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 15 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 16 $5,000.00 $1,000.00 $0.00 $0.00 ### ### 17 $5,000.00 $200.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-1,600.00 ### ### 19 $0.00 $0.00 ### $-362.39 ### ### 20 $0.00 $0.00 ### $0.00 $235.29 $4,156.84 21 $0.00 $0.00 $-4,156.84 $0.00 $0.00 $0.00
RESP Contribution $40,000.00 Gain $18,919.23 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall ### CESG Grant Return $0.00 AIP $0.00 Net Total ###
TFSA ### ### ### $0.00 ### $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5,000.00 $0.00 $300.00 $5,300.00 $5,000.00 $0.00 $618.00 ### $5,000.00 $0.00 $955.08 ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $5,000.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### $864.24 ### $0.00 ### $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate Subscriber marginal tax rate AIP penalty tax rate
Year
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $0 0 0 0% 46% 20%
RESP Contribution Grant WithdrawalTax 0 $2,500.00 $500.00 $0.00 1 $2,500.00 $500.00 $0.00 2 $2,500.00 $500.00 $0.00 3 $2,500.00 $500.00 $0.00 4 $2,500.00 $500.00 $0.00 5 $2,500.00 $500.00 $0.00 6 $2,500.00 $500.00 $0.00 7 $2,500.00 $500.00 $0.00 8 $2,500.00 $500.00 $0.00 9 $2,500.00 $500.00 $0.00 10 $2,500.00 $500.00 $0.00 11 $2,500.00 $500.00 $0.00 12 $2,500.00 $500.00 $0.00 13 $2,500.00 $500.00 $0.00 14 $2,500.00 $200.00 $0.00 15 $2,500.00 $0.00 $0.00 16 $2,500.00 $0.00 $0.00 17 $2,500.00 $0.00 $0.00 18 $0.00 $0.00 $0.00 19 $0.00 $0.00 $0.00 20 $0.00 $0.00 $0.00 21 $0.00 $0.00 $0.00
Contribution Gain Withdrawal (incl. tax) Gain Remaining Expense shortfall CESG Grant Return
RESP $45,000.00 $69,267.86 $0.00 $69,267.86 $0.00 $-7,200.00
TFSA ### ### $0.00 ### $0.00 $0.00
Gain $0.00 $180.00 $0.00 $370.80 $0.00 $573.05 $0.00 $787.43 $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ### $0.00 ###
AIP AIP Tax Net Total
$69,267.86 ### $68,551.07
$0.00 $0.00 ###
TFSA Total Contribution Withdrawal Gain Total $3,180.00 $2,500.00 $0.00 ### $2,650.00 $6,550.80 $2,500.00 $0.00 ### $5,459.00 ### $2,500.00 $0.00 ### $8,436.54 ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $2,500.00 $0.00 ### ### ### $0.00 $0.00 ### ### ### $0.00 $0.00 ### ### ### $0.00 $0.00 ### ### ### $0.00 $0.00 ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate AIP marginal tax rate AIP penalty rate
$2,500 0 17 20% $2,500 $1,000 $7,200 6% $0 0 21 12% 46% 20% RESP + TFSA
Year
Contribution RESP TFSA 0 $2,500.00 $0.00 1 $2,500.00 $0.00 2 $2,500.00 $0.00 3 $2,500.00 $0.00 4 $2,500.00 $0.00 5 $2,500.00 $0.00 6 $2,500.00 $0.00 7 $2,500.00 $0.00 8 $2,500.00 $0.00 9 $2,500.00 $0.00 10 $2,500.00 $0.00 11 $2,500.00 $0.00 12 $2,500.00 $0.00 13 $2,500.00 $0.00 14 $1,000.00 $1,500.00 15 $0.00 $2,500.00 16 $0.00 $2,500.00 17 $0.00 $2,500.00 18 $0.00 $0.00 19 $0.00 $0.00 20 $0.00 $0.00 21 $0.00 $0.00
RESP + TFSA TFSA Contribution $45,000.00 $45,000.00 Gain $69,267.86 $58,396.84 Withdrawal (incl. tax) $0.00 $0.00 Gain Remaining $69,267.86 $58,396.84
Withdrawal Grant RESP TFSA $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $500.00 $0.00 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Expense shortfall $0.00 CESG Grant Return $-7,200.00 AIP $65,226.15 AIP tax ### Net Total $71,218.60
$0.00 $0.00 $0.00 $0.00 ###
RESP + TFSA Gain Balance Tax RESP TFSA RESP TFSA Total Contribution $0.00 $180.00 $0.00 $3,180.00 $0.00 $3,180.00 $2,500.00 $0.00 $370.80 $0.00 $6,550.80 $0.00 $6,550.80 $2,500.00 $0.00 $573.05 $0.00 $10,123.85 $0.00 $10,123.85 $2,500.00 $0.00 $787.43 $0.00 $13,911.28 $0.00 $13,911.28 $2,500.00 $0.00 $1,014.68 $0.00 $17,925.96 $0.00 $17,925.96 $2,500.00 $0.00 $1,255.56 $0.00 $22,181.51 $0.00 $22,181.51 $2,500.00 $0.00 $1,510.89 $0.00 $26,692.40 $0.00 $26,692.40 $2,500.00 $0.00 $1,781.54 $0.00 $31,473.95 $0.00 $31,473.95 $2,500.00 $0.00 $2,068.44 $0.00 $36,542.38 $0.00 $36,542.38 $2,500.00 $0.00 $2,372.54 $0.00 $41,914.93 $0.00 $41,914.93 $2,500.00 $0.00 $2,694.90 $0.00 $47,609.82 $0.00 $47,609.82 $2,500.00 $0.00 $3,036.59 $0.00 $53,646.41 $0.00 $53,646.41 $2,500.00 $0.00 $3,398.78 $0.00 $60,045.20 $0.00 $60,045.20 $2,500.00 $0.00 $3,782.71 $0.00 $66,827.91 $0.00 $66,827.91 $2,500.00 $0.00 $4,081.67 $90.00 $72,109.58 $1,590.00 $73,699.58 $2,500.00 $0.00 $4,326.58 $245.40 $76,436.16 $4,335.40 $80,771.56 $2,500.00 $0.00 $4,586.17 $410.12 $81,022.33 $7,245.52 $88,267.85 $2,500.00 $0.00 $4,861.34 $584.73 $85,883.67 $10,330.26 $96,213.92 $2,500.00 $0.00 $5,153.02 $619.82 $91,036.69 $10,950.07 ### $0.00 $0.00 $5,462.20 $657.00 $96,498.89 $11,607.08 ### $0.00 $0.00 $5,789.93 $696.42 ### $12,303.50 ### $0.00 $0.00 $6,137.33 $738.21 ### $13,041.71 ### $0.00
TFSA
TFSA Withdrawal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Gain Total $150.00 $2,650.00 $309.00 $5,459.00 $477.54 $8,436.54 $656.19 $11,592.73 $845.56 $14,938.30 ### $18,484.59 ### $22,243.67 ### $26,228.29 ### $30,451.99 ### $34,929.11 ### $39,674.85 ### $44,705.34 ### $50,037.66 ### $55,689.92 ### $61,681.32 ### $68,032.20 ### $74,764.13 ### $81,899.98 ### $86,813.98 ### $92,022.82 ### $97,544.19 ### ###
Contribution Contribution start Contribution end CESG Rate CESG Contribution limit CESG Yearly Limit CESG Limit Growth Rate EAP per year EAP start year EAP end year EAP tax rate
Year
$2,500 0 10 20% $2,500 $1,000 $7,200 6% $20,000 18 21 8%
RESP Contribution Grant Withdrawal Tax Gain Total 0 $2,500.00 $500.00 $0.00 $0.00 $180.00 $3,180.00 1 $2,500.00 $500.00 $0.00 $0.00 $370.80 $6,550.80 2 $2,500.00 $500.00 $0.00 $0.00 $573.05 ### 3 $2,500.00 $500.00 $0.00 $0.00 $787.43 ### 4 $2,500.00 $500.00 $0.00 $0.00 ### ### 5 $2,500.00 $500.00 $0.00 $0.00 ### ### 6 $2,500.00 $500.00 $0.00 $0.00 ### ### 7 $2,500.00 $500.00 $0.00 $0.00 ### ### 8 $2,500.00 $500.00 $0.00 $0.00 ### ### 9 $2,500.00 $500.00 $0.00 $0.00 ### ### 10 $2,500.00 $500.00 $0.00 $0.00 ### ### 11 $0.00 $0.00 $0.00 $0.00 ### ### 12 $0.00 $0.00 $0.00 $0.00 ### ### 13 $0.00 $0.00 $0.00 $0.00 ### ### 14 $0.00 $0.00 $0.00 $0.00 ### ### 15 $0.00 $0.00 $0.00 $0.00 ### ### 16 $0.00 $0.00 $0.00 $0.00 ### ### 17 $0.00 $0.00 $0.00 $0.00 ### ### 18 $0.00 $0.00 ### $-1,600.00 ### ### 19 $0.00 $0.00 ### $-1,728.00 ### ### 20 $0.00 $0.00 ### $-588.99 $752.72 ### 21 $0.00 $0.00 ### $0.00 $0.00 $0.00
RESP Contribution $27,500.00 Gain $44,215.08 Withdrawal (incl. tax) ### Gain Remaining $0.00 Expense shortfall $-6,701.91 CESG Grant Return $0.00 AIP $0.00 Net Total $-6,701.91
TFSA ### ### ### $0.00 ### $0.00 $0.00 ###
TFSA Contribution Withdrawal Gain Total $2,500.00 $0.00 $150.00 $2,650.00 $2,500.00 $0.00 $309.00 $5,459.00 $2,500.00 $0.00 $477.54 $8,436.54 $2,500.00 $0.00 $656.19 ### $2,500.00 $0.00 $845.56 ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $2,500.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 $0.00 ### ### $0.00 ### ### ### $0.00 ### ### ### $0.00 ### $201.47 $3,559.30 $0.00 $-3,559.30 $0.00 $0.00
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