Beginner questions
What counts as an RESP contribution?
Personal deposits made by subscribers count as contributions. Government grants and designated provincial payments are not personal contributions.
Reviewed 2026-05-23
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Source status: this educational answer links to the government, regulator, school, or provider sources used for the current review. It is not personal financial, tax, legal, or investment advice.
Short answer
Personal deposits made by subscribers count as contributions. Government grants and designated provincial payments are not personal contributions.
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Beginner questions
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This answer is designed as a starting point. RESP rules can depend on residency, beneficiary age, income, provider support, plan type, and current government program rules.
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