Every child, their grants, your plan.

grants, child benefits, parental leave: Plus puts each child in your plan and keeps the grants on track, year after year.

Make my free plan

Free, no account. You move to Plus only if you want to.

Sample household

Camille and Olivier, two kids and a baby on the way, Québec City

Example: Québec

$21,600
in RESP grants their two kids can still get by age 17
30%
grant on every dollar in the RESP, up to $2,500 per child a year
$10,221a year
in Canada child benefit and Québec family allowance, from their income

The example’s answers

Camille and Olivier earn $78,000 and $61,000 a year, have two kids born in 2021 and 2024, and set aside $900 a month. They haven’t put anything in an RESP yet, and their third child is due in March 2027. Worked out by the Huard & Co engine under 2026 rules, from these answers.

What Plus does for you: Family

The RESP and its grants, child benefits, parental leave: what each child changes, year after year.

The grants, before anything else
Every dollar in the RESP gets its grant: the best guaranteed return after your employer’s match. Plus shows you how much to put in so nothing is left behind, catch-up included.
RESP grantsSample household
30%on every dollar you put in, up to $2,500 per child a year
their two kids can still get by age 17
$21,600
in Canada child benefit and Québec family allowance, a year
$10,221
2026 rules, with official sources in every calculation.
The kids’ RESP, tracked
At your monthly check-in, the RESP moves toward this year’s target, with what’s left to put in to collect the full grant.
Camille and Olivier’s check-in, October 2026Sample household
Each account moves toward this year’s target.
RESP$8,100 of $10,594
TFSA (Camille)$0 of $116
TFSA (Olivier)$0 of $90
What was logged at each monthly check-in this year, before any returns.
2026 rules, with official sources in every calculation.
Your savings this month, in order
The RESP first, then the : every dollar has its place, and your plan adjusts when a baby arrives or a leave starts.
Camille and Olivier’s $900 this month, in orderSample household
1RESP$834
2TFSA (Camille)$37
3TFSA (Olivier)$29
A month$900
Calculated by the engine under 2026 rules, from the example’s answers.
2026 rules, with official sources in every calculation.

One Plus, one price

The same Plus for every stage: it opens on your stage’s tools, and you switch when your life does.

Plus

Your plan, kept current, month after month.

Cancel renewal in one click, anytime. We email you 7 days before each renewal.

The monthly check-in (2 minutes)
Your TFSA, and room watched
The Plan for the year included

Everything included

Scenarios and your stage’s tools
What your actions are worth, confirmed
Everything in Free

Plus adapts to your stage

StartFirst steps, at any age
Student loans, a card, your cushion and your employer’s match in the right order, your first big purchases, the raise ahead, and each month what’s yours, guilt-free.
BuyA first home in sight
FHSA, and TFSA: your down payment account by account, the tax you save, and the purchase year in your plan.
FamilyKids, or one on the wayYou are here
The RESP and its grants, child benefits, parental leave: what each child changes, year after year.
BuildYou already invest
Where each dollar goes once your accounts are full, what your fees cost in years, your financial independence date, and what to do with a raise, a bonus or a tax refund.
Retire55 and over, or retired
When to start or and , which account to draw from first, pension splitting, and your income year by year.

Everything in Plus

See Plus before you pay

Open Plus as Camille and Olivier, the fictional example on this page, with no account and no payment. Nothing is saved and your own plan is never touched.

Try Plus with an example

Your questions

Kids, or one on the way

How much should go in the RESP?

The basic grant applies to the first $2,500 per child each year. Missed years can partly be caught up: the plan works out the amount that collects everything still available.

My kids are older. Is it too late?

Grants are paid until the end of the year the child turns 17. The plan shows what’s left to collect for each one.

A baby is on the way. Does the plan count it?

Yes: under “A baby on the way?”, give the year and month it’s due. Your free plan then counts the RESP grants from the birth and the extra child benefits; Plus plans the parental leave, week by week.

What about parental leave?

In Québec it’s QPIP. Plus puts the leave in your plan: the months of benefits, what to set aside before, and what starts again after.

Are child benefits counted?

Yes, from the sample family’s income and the current benefit year’s rules. Your plan uses your own answers.

What if I change my mind?

Cancel the renewal in one click from your account, and access stays until the end of the paid year. We email you before every renewal. Your free plan stays yours.

Start with your free plan.

A few minutes, no account. Your plan shows you what to do this month; Plus keeps it current after that.