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For parents & grandparents

Saving for children & grandchildren

Helping the next generation — education, a first home, or a tax-smart head start. The accounts, grants and calculators that make family money go furthest.

Education savings

RESP guide How RESPs and the CESG grant work, and how grandparents can help fund education tax-free. RESP calculator Project an RESP with the grant and see what it grows to.

First home & registered accounts

Best FHSA accounts The First Home Savings Account — deduction in, tax-free out for a first home. RRSP vs TFSA Which shelter wins for your situation — and how to use both. Spousal RRSP Income-split in retirement by contributing to a lower-income spouse’s RRSP.

More situational guides

For snowbirds For retirees For Canadians abroad For business owners