Education Planning Calculators

Ideal for: Goal setting · RESP strategies · Family planning · Early client conversations

Help Families Plan for the Future—With Clarity

Post-secondary education is one of the biggest expenses many families will face—and one of the most powerful opportunities for planning. FreshPlan’s education planning calculators help clients understand their options, make smart contribution decisions, and take full advantage of RESP benefits.

Use these tools to guide early education conversations, demonstrate the value of planning ahead, and highlight tax-smart strategies that build trust from the start.

Key Education Planning Calculators

Each calculator is Snackable, Stackable, and Adaptable—ideal for early planning sessions, family strategy meetings, or annual financial reviews.

Saving for Education Now
Help clients model how much they need to save—and how monthly contributions can grow over time—to fund future education costs.

RESP Tax Benefits
Show the tax-deferral and tax-splitting advantages of contributing to a Registered Education Savings Plan (RESP), and how it compares to saving in a non-registered account.

RESP Withdrawal
Demonstrate how RESP withdrawals are taxed, how to maximize Educational Assistance Payments (EAPs), and how to keep withdrawals efficient.

CESG Advantage
Illustrate the impact of the Canada Education Savings Grant (CESG), and show clients how to maximize the government match based on their contributions.

Education Planning infographic on a desk

Client-Ready Visuals and Infographics

Education savings concepts can be abstract—our visuals help make them real. Use them to:

  • Explain compound growth in RESPs
  • Visualize the CESG match
  • Break down withdrawal strategies
  • Reinforce timelines and savings targets

Support Planning That Grows With Their Kids

FreshPlan’s education calculators are perfect for:

  • Young families starting to save
  • Annual education savings reviews
  • Grandparents or family members gifting funds
  • RESP withdrawal planning before and during post-secondary years

They’re clear, client-friendly, and built to reduce fear while increasing confidence.

Why Advisors Choose FreshPlan for Education Planning

  • Makes RESP rules and grants easier to explain
  • Helps families plan with confidence from day one
  • Connects savings goals to real-world outcomes
  • Builds trust through clarity, not complexity

Calculator Features

  • Quick Plan Templates
    Use pre-built scenarios to model savings for one child, multiple children, or late-start planning.

  • Modular Planning
    Pick just the tools you need—ideal for layering into broader financial plans.

  • Scenario Modeling
    Adjust contribution levels, timelines, and growth rates to explore different education savings paths.

  • Client-Ready Reports
    Turn savings models and RESP strategies into customized summaries clients can take home or share.

  • Secure Sharing
    Empower clients to try different savings approaches on their own, building understanding and engagement.

  • Visual Dashboards
    Present RESP balances, grant opportunities, and withdrawal timelines with easy-to-grasp visuals.