WealthRESP age limits before contributing or withdrawing
There is no single RESP expiry date. CESG, contributions, plan duration and educational assistance payments follow different timelines.
Published July 17, 2026 · By the WealthWise team · Official sources reviewed
The timeline at a glance
| Stage | Key timing | What to verify |
|---|---|---|
| CESG-eligible contributions | Through the end of the year the beneficiary turns 17 | Eligibility and unused grant room |
| CESG at age 16 or 17 | Tests met before the end of the year they turn 15 | $2,000 total or $100 in any four earlier years |
| EAP | During eligible enrolment | Proof of enrolment, initial limits and education expenses |
| Plan termination | Under the contract’s maximum duration and tax rules | Balance, grants, accumulated income and beneficiary |
Why ages 16 and 17 are different
To receive CESG in the year the beneficiary turns 16 or 17, a contribution history must exist by the end of the year they turn 15. One of two tests applies: at least $2,000 in total contributions, or at least $100 contributed in any four earlier years.
This prevents all education saving from being postponed to the end of grant eligibility. It also makes a small regular contribution useful when the family cannot yet target the maximum.
EAPs depend on education, not age alone
An educational assistance payment, or EAP, includes grants and investment income. It is generally taxable to the student. The promoter asks for proof of enrolment in an eligible program and applies the limits that govern the beginning of studies.
A refund of subscriber contributions is a different component. Misclassifying the withdrawal can cause grant repayment, so tell the promoter which payment type is being requested.
Read the guide to RESP withdrawals and EAPs before submitting the request.
Four checks for each family stage
Before age 15
Build the history needed to preserve access to CESG at ages 16 and 17.
At age 16 or 17
Confirm the prior tests and unused CESG before contributing.
When studies begin
Get proof of enrolment and separate EAPs from contribution refunds.
If studies are delayed
Check the remaining contract duration; do not automatically close the plan at age 18.
Connect every RESP deadline
Age rules are easier to understand inside the full contribution, grant and withdrawal cycle.
Sources and method
Rules, limits and fees change. The primary sources below were reviewed on July 17, 2026. Always verify the official version before acting.
- Government of Canada — estimating CESG — grant eligibility, age and unused room
- CRA — RESP contributions — contribution limits and duration
- CRA — RESP questions and answers — EAP and plan administration rules
Frequently asked questions
Does an RESP close automatically when the child turns 18?
No. The end of CESG eligibility and plan termination are different events. The contract may continue for later studies.
Can I start an RESP at age 16 and receive CESG?
Only when the prior-contribution tests for beneficiaries aged 16 and 17 are already satisfied.
Is an EAP taxable to the parent?
An EAP is generally reported by the student beneficiary, while a refund of subscriber contributions has different treatment.
Must studies begin immediately after high school?
No. A delay may be possible, but check the plan duration and promoter conditions before leaving it inactive.
Keep education goals visible
Track the RESP with other family investments and keep one clear view of timing and allocation.