Replace defaults with the child's age, contribution history, province, school timing, or provider details where the tool asks for them.
Use the result to decide what to ask the promoter, not as proof of eligibility or investment outcome.
RESP grants, withdrawals, transfers, fees, and school eligibility can depend on provider support and current government rules.
Program cost snapshot
2026-05-24
U of T Engineering Science first-year cost snapshot
University: University of Toronto
Program: Engineering Science, first-year Bachelor of Applied Science in Engineering Science
Estimated annual cost: About $31,500 to $56,200 CAD for one September-to-April school year if the student is an Ontario domestic student living in U of T residence with a meal plan.
Academic-only baseline: About $17,900 to $18,400 CAD before housing and food, using $14,180 tuition, $2,203.84 mandatory incidental/system/ancillary fees, and $1,500 to $2,000+ for books and supplies.
Assumptions
- Uses the latest official U of T Engineering 2025-2026 figures available on May 24, 2026; U of T says 2026-2027 fees are subject to change.
- Assumes Ontario domestic fee status, full-time first-year Applied Science and Engineering registration, September-to-April study, and on-campus residence plus meal plan.
- Includes tuition, mandatory fees, residence/meal-plan range, and books/supplies. Excludes laptop, transit, travel, personal spending, optional insurance opt-outs, scholarships, OSAP, and later PEY co-op fees.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and may be used to help the student with tuition, residence, books, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so large first-term residence and tuition bills may need contribution withdrawals, savings outside the RESP, student aid, or staged withdrawals.
Caveats
- The exact bill appears in ACORN and can change with residency status, course load, health/dental coverage, residence choice, meal plan, scholarships, and university fee updates.
- Engineering Science follows the Faculty of Applied Science and Engineering fee schedule; families should confirm the student's exact account invoice before withdrawing.
- RESP promoters can ask for proof of enrolment and may apply their own documentation process before releasing EAPs.
Planning note: A practical starting target is the academic-only cost first, then decide how much of residence and meal-plan cost the RESP should cover. If the first term needs more than the early EAP limit, ask the promoter how to combine contribution withdrawals and EAPs before tuition or residence deadlines.
2026-05-24
UBC Sauder Bachelor of Commerce first-year cost snapshot
University: University of British Columbia
Program: Sauder School of Business Bachelor of Commerce, first year
Estimated annual cost: About $20,800 to $24,900 CAD for one September-to-April school year if the student is a Canadian domestic first-year BCom student at UBC Vancouver living in first-year residence with a required meal plan.
Academic-only baseline: About $8,800 to $9,300 CAD before housing and food, using $6,200.70 Commerce Year 1 tuition, about $1,588 in required UBC and student-society fees, and a $1,000 to $1,500 planning allowance for books and supplies.
Assumptions
- Uses UBC's approved 2026/27 domestic Commerce Year 1 tuition available on May 24, 2026, plus the latest UBC Vancouver student-fee tables that still label fee rates as 2025/26 reference amounts.
- Assumes domestic tuition status, UBC Vancouver campus, 30-credit first-year Commerce course load, September-to-April study, and first-year residence plus meal plan.
- Includes tuition, required student fees, a books/supplies planning allowance, and a typical first-year Vancouver residence/meal-plan range. Excludes laptop, travel, clothing, personal spending, scholarships, loans, tax credits, and optional fee opt-outs.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with tuition, student fees, residence, books, supplies, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so first-term tuition and residence deadlines may require contribution withdrawals or non-RESP cash alongside EAPs.
Caveats
- UBC says tuition and student fees can change, and actual charges depend on course load, fee status, U-Pass eligibility, health/dental opt-outs, residence assignment, meal plan, and the student's Workday account.
- Commerce tuition rises in later years: UBC lists a higher domestic per-credit amount for Commerce Years 2 to 4 than for Commerce Year 1.
- RESP promoters can ask for proof of enrolment and may apply their own form, timing, and documentation process before releasing EAPs.
Planning note: Plan separately for first-term cash flow. A family could use contribution withdrawals for early tuition or residence deadlines, reserve EAP room for taxable grant/growth withdrawals after enrolment is confirmed, and keep a non-RESP buffer for books, travel, and move-in costs.
2026-05-24
McGill Bachelor of Science first-year cost snapshot
University: McGill University
Program: Bachelor of Science (B.Sc.), first year
Estimated annual cost: About $22,600 to $28,600 CAD for one September-to-April school year if the student is a Quebec resident in first-year downtown residence with a mandatory meal plan.
Academic-only baseline: About $6,600 to $6,900 CAD before housing and food, using $3,117.60 for 30 credits at McGill's 2026-2027 Quebec tuition rate, the latest BSc Quebec fee table as a cross-check, and McGill's $1,000 books/supplies planning amount.
Assumptions
- Uses McGill's 2026-2027 Quebec tuition rate of $103.92 per credit for a 30-credit Fall/Winter course load, plus the latest BSc Quebec annual fee table available on May 24, 2026.
- Assumes Quebec resident tuition status, downtown campus Bachelor of Science, full-time first-year Fall/Winter registration, and a first-year residence option that carries the mandatory all-you-care-to-eat meal plan.
- Includes tuition, student/administrative/service/technology/insurance fees, books/supplies, residence rent, meal plan, oneCard Flex, and residence activity fee. Excludes laptop, lab-specific equipment beyond the planning allowance, transit, travel, phone, clothing, personal spending, scholarships, loans, opt-outs, and off-campus summer costs.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with tuition, residence, books, supplies, or other school costs.
- Educational Assistance Payments can include CESG, CLB, Quebec QESI if it was credited to the plan, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so first-term tuition and residence timing may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- McGill says tuition and fees can change without notice; some 2026-2027 amounts are estimates or depend on Quebec government confirmation, student fee updates, and insurance choices.
- Residence cost varies heavily by building and room. This snapshot uses downtown residence rooms with a mandatory meal plan; apartment-style or Macdonald Campus housing can change the range and food budget.
- Quebec resident status is assessed after admission; non-Quebec Canadian and international students can face much higher tuition.
- RESP promoters can ask for proof of enrolment and reasonable-expense support before releasing EAPs.
Planning note: For a Quebec-resident BSc student, the academic bill is relatively low compared with residence and food. Build the cash-flow plan around the residence deposit, monthly rent, meal-plan instalments, and first-term due dates, then decide how much to draw as tax-free contributions versus taxable EAPs after enrolment is confirmed.
2026-05-24
University of Alberta Engineering first-year cost snapshot
University: University of Alberta
Program: Bachelor of Science in Engineering, foundational/qualifying first year
Estimated annual cost: About $27,100 to $31,100 CAD for one September-to-April school year if the student is a Canadian domestic first-year Engineering student living in Lister residence with the required seven-day meal plan.
Academic-only baseline: About $12,700 to $13,100 CAD before residence and food, using the 2026-2027 domestic Engineering course-fee table, full-time on-campus non-instructional fees, an Engineering association fee allowance, and UAlberta's books/supplies planning amount.
Assumptions
- Uses University of Alberta 2026-2027 domestic Fall/Winter tuition and non-instructional fee pages available on May 24, 2026.
- Assumes Canadian citizen or permanent resident fee status, North Campus, full-time foundational/qualifying first-year Engineering registration, and the common Fall/Winter first-year course pattern.
- Includes tuition, full-time on-campus non-instructional fees, an Engineering association fee allowance, books/supplies, Lister residence room range, and the required Lister/Peter Lougheed Hall seven-day meal plan. Excludes clothing, personal spending, travel, laptop upgrades, scholarships, loans, health/dental opt-outs, and summer costs.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with tuition, residence, books, supplies, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits if credited, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so first-term tuition, residence, and meal-plan timing may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- UAlberta says fees are assessed after registration and appear in Bear Tracks; the exact bill depends on the student's actual registered courses, fee status, opt-outs, room assignment, and any updated university rates.
- The Engineering foundational/qualifying year is the high-school entry route before students choose a specialized Engineering discipline and traditional or co-op path.
- Residence and meal-plan costs can change, and Lister room pricing depends on whether the student receives a double, single, or suite-style room.
- RESP promoters can ask for proof of enrolment and may apply their own timing and documentation process before releasing EAPs.
Planning note: The residence and meal-plan bill can be larger than the academic bill. Build a first-term cash-flow plan before move-in: keep contribution withdrawals available for early deadlines, then use EAPs for grant/growth withdrawals once enrolment proof is ready and the first-13-week limit is considered.
2026-05-24
University of Calgary Nursing first-year cost snapshot
University: University of Calgary
Program: Bachelor of Science in Nursing, direct-entry first year
Estimated annual cost: About $21,300 to $28,800 CAD for one September-to-April school year if the student is a Canadian domestic first-year BScN student at the Calgary campus living in first-year residence with a mandatory meal plan.
Academic-only baseline: About $10,700 to $10,900 CAD before residence and food, using UCalgary's 2026-2027 domestic Nursing tuition estimate, general fees, and the Nursing handbook's Year 1 textbooks, supplies, immunization/testing, and society-fee estimates.
Assumptions
- Uses the University of Calgary 2026-2027 undergraduate cost estimator for Canadian or permanent-resident Faculty of Nursing tuition, general fees, low-cost first-year residence, and seven-day meal plan.
- Replaces the estimator's generic books and supplies line with the Nursing handbook's Year 1 program-specific estimate: $1,500 textbooks and supplies, $55+ immunizations and required tests, and $5 Undergraduate Nursing Society membership.
- Assumes direct entry into BScN Year 1 at the Calgary campus, full-time Fall/Winter study, first-year residence, and a mandatory residence meal plan.
- Includes tuition, general fees, first-year nursing supplies/tests, residence, and meal plan. Excludes laptop or tablet, travel, clothing, personal spending, parking, clinical-placement transportation, scholarships, loans, health/dental opt-outs, later-year CPR/PIC/N95/uniform/stethoscope costs, and summer costs.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with tuition, residence, books, supplies, immunization/testing costs, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits if credited, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so first-term tuition, residence, meal-plan, and nursing-supply timing may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- UCalgary says the cost estimator is an estimate and actual costs may vary; full fee information is in the academic calendar and Student Centre account details.
- Residence range uses first-year 2026-2027 rates with meal plans, from a Kananaskis/Rundle double room with a seven-day plan up to higher-cost first-year suite options with seven-day meal plans.
- Nursing students should expect later-year costs to change when clinical practice begins, including CPR, police information check, N95 fit testing, uniforms, shoes, stethoscope, transportation, parking, and possible placement-related costs.
- RESP promoters can ask for proof of enrolment and may apply their own timing and documentation process before releasing EAPs.
Planning note: Do not plan only around tuition. For Nursing, build a first-year cash-flow list that separates tuition and general fees, residence and meal-plan deadlines, and program-specific supplies or tests. Keep contribution withdrawals available for early bills, then use EAPs for grant/growth withdrawals after enrolment proof is ready and the first-13-week limit is considered.
2026-05-24
University of Saskatchewan Nursing Prep first-year cost snapshot
University: University of Saskatchewan
Program: Bachelor of Science in Nursing pathway, Year 1 Nursing Prep through Arts and Science
Estimated annual cost: About $23,000 to $25,700 CAD for one September-to-April school year if the student is a Canadian domestic Nursing Prep student at the Saskatoon campus living in Voyageur Place residence with the required meal plan.
Academic-only baseline: About $10,900 to $12,300 CAD before residence and food, using USask's 2026-2027 Arts and Science tuition range, $1,331.66 in full-time on-campus student fees, and a $1,500 to $2,500 books/supplies budget.
Assumptions
- Models the B.S.N. pathway's Year 1 pre-professional year, not upper-year Nursing clinical study. USask says Year 1 is completed through the College of Arts and Science and requires 30 credit units before students apply to Nursing Years 2 to 4.
- Uses the 2026-2027 Arts and Science Arts-to-Science domestic tuition range because the exact Nursing Prep course mix can vary by student and transfer plan.
- Assumes Canadian domestic tuition status, Saskatoon campus, full-time Fall/Winter study, and Voyageur Place residence for eight months with the required unlimited dining meal plan.
- Includes tuition, student fees, books/supplies, residence, utilities, Wi-Fi, laundry, tenant insurance, and the residence meal plan. Excludes laptop, travel, clothing, personal spending, optional insurance opt-outs, scholarships, loans, residence deposits timing, and any spring/summer costs.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with tuition, student fees, residence, books, supplies, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits if credited, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so early tuition and residence deadlines may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- Admission to Nursing Years 2 to 4 is competitive and requires completing the pre-professional courses and non-academic requirements; a first-year Nursing Prep student should not treat Year 1 as guaranteed entry to upper-year Nursing.
- USask's Nursing page gives a separate 2026-2027 Year 2 estimate for students enrolled in a full upper-year Nursing course load, including a Spring term. This snapshot is limited to the pre-professional first year.
- Residence cost depends on room assignment. Voyageur Place rates are higher than some College Quarter or Seager Wheeler options but are the first-year-focused residence option with unlimited dining.
- RESP promoters can ask for proof of enrolment and may apply their own timing and documentation process before releasing EAPs.
Planning note: For USask Nursing, plan the first year as both a cost year and an admissions year. Keep enough cash available for the residence acceptance payment and September rent/meal-plan timing, then decide how much to draw from RESP contributions versus taxable EAPs once enrolment proof is ready.
2026-05-24
University of Manitoba Computer Science first-year cost snapshot
University: University of Manitoba
Program: Computer Science, first-year Faculty of Science pathway
Estimated annual cost: About $20,200 to $26,100 CAD for one eight-month Fall/Winter year if the student is a Canadian domestic Faculty of Science student targeting Computer Science and living in University College or Pembina Hall residence with a meal plan.
Academic-only baseline: About $9,300 CAD before residence and food, using UM's estimated $6,700 Science tuition/fee figure, $1,500 textbooks and supplies estimate, $410 health/dental plan, $210 sport and recreation fee, and $470 U-Pass estimate.
Assumptions
- Uses UM's current tuition-estimate page for the Science full-course-load estimate and common first-year cost categories, plus the detailed 2025-2026 undergraduate tuition and fee page for per-credit Science fee context.
- Assumes Canadian citizen or permanent resident fee status, full-time Fall/Winter study, Faculty of Science/Computer Science target, Fort Garry campus, and an eight-month academic year.
- Uses first-year-oriented University College and Pembina Hall 2026-2027 residence/meal-plan estimates from the UM housing calculator and residence pages.
- Includes estimated tuition/fees, textbooks/supplies, health/dental plan, sport and recreation fee, U-Pass, residence room, meal plan, residence programming fee, tenant insurance, and holiday-break fee where included. Excludes laptop, phone, clothing, personal spending, scholarships, loans, opt-outs, co-op work-term fees, parking, and summer costs.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with tuition, residence, books, supplies, meal plan, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits if credited, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so early tuition and residence deadlines may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- UM says tuition and cost tables are estimates; actual tuition depends on course credit hours, teaching unit, course selection, online surcharges, lab/course fees, opt-outs, and Board-approved rates.
- Computer Science Major or Honours entry may require completing university credits and meeting specific course and grade requirements, so first year should be treated as a Faculty of Science pathway rather than guaranteed entry to a specific upper-year stream.
- Residence rates are estimates and some 2026-2027 housing rates are pending Board of Governors approval; actual room assignment and meal plan can change the range.
- RESP promoters can ask for proof of enrolment and may apply their own timing and documentation process before releasing EAPs.
Planning note: For UM Computer Science, build the plan around a relatively lower domestic tuition bill but a large housing and meal-plan range. If the first term includes residence deadlines, keep contribution withdrawals or non-RESP cash available before relying on taxable EAP room after enrolment proof is ready.
2026-05-24
Dalhousie Engineering first-year cost snapshot
University: Dalhousie University
Program: Bachelor of Engineering, first-year Core Engineering Program
Estimated annual cost: About $27,600 to $33,600 CAD for one September-to-April school year if the student is a Canadian domestic first-year Engineering student on the Halifax campus living in traditional residence with a meal plan.
Academic-only baseline: About $14,700 to $15,400 CAD before housing and food, using Dalhousie's 2026-2027 domestic Engineering Fall/Winter fee schedule ($13,176.80 to $13,388.60 for Engineering or Engineering with Auxiliary Fee) plus a $1,500 to $2,000 books and supplies planning allowance.
Assumptions
- Uses Dalhousie's Board-approved 2026-2027 Fall/Winter undergraduate fee estimates available on May 24, 2026; Dalhousie says estimates are for information only until fees are assessed from actual registration and are expected to increase annually.
- Assumes Canadian domestic fee status, Halifax campus, full-time first-year Core Engineering registration, 15 billing hours in each of Fall and Winter, and the common first-year pathway before applying to an Engineering discipline.
- Uses Halifax traditional residence and meal-plan planning: roughly a lower-cost Howe Hall bunk double plus Freedom meal plan up to a LeMarchant Place single room or suite space plus Freedom meal plan. Actual room assignment and meal-plan choice can change the range.
- Includes tuition, mandatory incidental fees, society fees, a books/supplies planning allowance, residence room, and meal plan. Excludes laptop, travel, clothing, personal spending, scholarships, loans, health/dental opt-outs, parking, co-op fees, summer courses, and any Nova Scotia Student Bursary reduction.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with early tuition, residence, books, supplies, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits if credited, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so first-term tuition, residence, and meal-plan deadlines may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- Dalhousie says tuition fees are assessed at the approved rate for each course selected rather than only by the degree to which the student was admitted, so the exact first-year bill can change with registration.
- Engineering students follow the Core Engineering Program first; placement into a specific discipline after first year is competitive and depends on first-year completion and academic performance.
- Residence rates are subject to change, quoted per student, and do not include the non-refundable residence application fee. Meal-plan rules differ for LeMarchant Place and non-traditional residences.
- RESP promoters can ask for proof of enrolment and may apply their own timing, expense, and documentation process before releasing EAPs.
Planning note: For Dalhousie Engineering, the first cash-flow pressure is likely not just tuition; residence and meal-plan charges can be similar to or larger than the academic bill. Build a fall deadline plan that keeps contribution withdrawals or non-RESP cash available before relying on taxable EAP room after enrolment proof is ready.
2026-05-24
University of New Brunswick Computer Science first-year cost snapshot
University: University of New Brunswick
Program: Bachelor of Computer Science, Fredericton campus first year
Estimated annual cost: About $25,000 to $29,900 CAD for one September-to-April school year if the student is a Canadian domestic first-year Computer Science student at UNB Fredericton living in residence with a required meal plan.
Academic-only baseline: About $12,700 to $13,200 CAD before residence and food, using UNB's 2026-2027 domestic full-time Computer Science tuition and fees total of $11,612.50, the $80 first-year orientation fee, and UNB's $1,000 to $1,500 annual textbook estimate.
Assumptions
- Uses UNB Fredericton's 2026-2027 full-time Computer Science tuition and fee PDF for the academic bill, plus UNB's current budgeting page for textbook planning.
- Uses the latest Fredericton residence and meal-plan page available on May 24, 2026. That residence page still lists the 2025-2026 academic year, so the housing range should be treated as a current baseline rather than a final 2026-2027 charge.
- Assumes domestic fee status, Fredericton campus, full-time Fall/Winter study in the Bachelor of Computer Science, and a classic or renovated residence room with a required meal plan.
- Includes tuition, compulsory fees, student union health and dental charges, first-year orientation, textbooks, residence room, and required meal plan. Excludes laptop, software or hardware upgrades, travel, clothing, personal spending, scholarships, loans, opt-outs, online course fees, web-based course fees, co-op work-term fees, summer study, and residence early-arrival or break-stay fees.
How an RESP could help
- RESP contributions can be withdrawn tax-free by the subscriber and can help with early tuition, residence, books, meal plan, or other school costs.
- Educational Assistance Payments can include CESG, CLB, provincial benefits if credited, and investment growth. They are taxable to the student and require enrolment in an eligible post-secondary program.
- Canada.ca says full-time EAPs are normally capped at $8,000 during the first 13 consecutive weeks of enrolment, so first-term tuition and residence deadlines may require contribution withdrawals, non-RESP cash, student aid, or staged withdrawals.
Caveats
- UNB says full-time fees apply when a student is registered in the equivalent of three or more courses per term, and course choices can add online or web-based course fees.
- The Computer Science co-op path can extend the degree and add work-term fees; this first-year snapshot does not include future co-op or Professional Experience Program charges.
- Residence cost depends on room assignment, meal-plan choice, deposits, and updated rate years. Elizabeth Parr-Johnston and apartment-style options may follow different meal-plan assumptions.
- RESP promoters can ask for proof of enrolment and may apply their own timing, expense, and documentation process before releasing EAPs.
Planning note: For UNB Computer Science, the academic bill is roughly half of the full residence-based first-year budget. Build the cash-flow plan around the September 21 and January 18 tuition deadlines, the residence deposit, and meal-plan timing, then decide how much to draw as tax-free contributions versus taxable EAPs after enrolment proof is ready.