Notice #1068: Revised income brackets for the additional amount of Canada Education Savings Grant for the calendar year 2025
On this page
Information bulletin
Number: CESP/PCEE‑2024‑002‑1068
Date: December 3, 2024
Subject: Revised income brackets for the additional amount of Canada Education Savings Grant (Additional CESG) for the calendar year 2025
Previous bulletin
This notice updates information bulletin #1020 dated December 4, 2023.
Purpose
To inform promoters and trustees that the income brackets used to determine the rate of payment for the Additional CESG have been indexed for the calendar year 2025.
Background
The Additional CESG is subject to subsection 5(4)(a) of the Canada Education Savings Act which uses the adjusted income for an eligible individual to establish the first and second thresholds to calculate the Additional CESG. These amounts are indexed yearly based on inflation.
The Canada Revenue Agency has released the 2025 Indexation adjustment for personal income tax and benefit amounts. Due to this indexation adjustment, income brackets for the Additional CESG eligibility have been established for calendar year 2025.
Income brackets to determine the Additional CESG
The following table identifies the income brackets used to determine the rate of the Additional CESG on the first $500 or less of the Registered Education Savings Plan (RESP) contributions per beneficiary, per year.
| Year | Foremost threshold (adjusted income bracket) Rate of payment = 20% Additional CESG |
Second threshold (adjusted income bracket) Rate of payment = 10% Additional CESG |
|---|---|---|
| 2025 | $0 to $57,375 | Greater than $57,375 but not more than $114,750 |
| 2024 | $0 to $55,867 | Greater than $55,867 but not more than $111,733 |
| 2023 | $0 to $53,359 | Greater than $53,359 but not more than $106,717 |
No change to the Basic CESG
Calculations for the Basic CESG remain unchanged at 20% of the RESP contributions per beneficiary, per year.
Updates to the RESP promoter resources
The RESP promoter resources will be updated on Canada.ca/RESPresources to reflect these changes in the near future.
Contact us
If you have any questions regarding this notice, please contact us:
- by using our online contact page
- by phone at 1‑888‑276‑3624
- by e-mail at cesp‑pcee@hrsdc‑rhdcc.gc.ca
Our business hours are from 8 am to 5 pm, Eastern Time.
Page details
- Date modified: