More ways to save
With our CST Spark Accounts, saving for education is easier than ever. No matter if you’re starting early, contributing as a family member, or helping kids take charge of their dreams, CST Spark gives you the tools to build a bright future, your way.
See how your contributions can grow
with CST Spark
Simply enter the student’s age and how often you’d like to contribute to discover how we can help you reach your education savings goals.
Step 1: Let’s estimate the total cost of a Canadian university education
Step 2: Customize your savings by choosing up to 3 CST Spark accounts.
This illustration shows how much your CST Spark Accounts may be worth when your child is 18.5 years and compares this amount to the estimated cost of a university education at that time. The projected value includes contributions, government grant (CESG) , income on principal and grant earned to date, future scheduled contributions (if any) until your child turns 18.5 years and government grants you are expected to accumulate.
1 The amounts shown are projections only. Actual savings may vary and are not guaranteed.
2 If you live in Quebec or British Columbia, you could also qualify for additional provincial grants. Additional CESG is not included in the total shown.
3 For illustrative purposes, the calculator assumes scheduled contributions will be made and there is identical investments across all CST Spark accounts. In practice, customers may select different funds for each account upon opening.
4 The returns shown are based on assumptions and are for illustrative purposes only. For the RESP - the projected income on principal and grants is estimated from today’s date to the date when your child turns 18.5 based on a series of annual net rates of return ranging from 2.5% to 4.5% that reflect your child’s age group and the changes in the asset allocation over the life of your plan. For the TFSA and Investment accounts the calculation are based on the same assumptions, as the RESP but without grants and income from grants. Past performance is not indicative of future results. Actual investment outcomes may vary.
5 The cost estimates provided are for illustrative purposes only. They are based on a Canadian citizen or resident beginning undergraduate studies at age 18.5. These estimates exclude expenses related to car ownership and dependents (e.g., children). Actual costs may vary depending on the institution, program, location, and personal circumstances. The estimates are derived from data across ten Canadian universities to reflect a representative range of undergraduate education expenses nationwide. Tuition for a four-year program is projected using the average tuition and mandatory fees from the previous academic year, assuming an annual increase of 2.7%, consistent with the five-year average. Housing assumptions: one year on-campus residence with a standard room and meal plan. Years 2–4 off-campus shared housing with three roommates, with rent and utilities split equally. Accommodation costs are projected to rise by 3.6% annually, based on the previous year’s average. Additional expenses for entertainment, transportation, and books are adjusted using a 2.5% annual inflation rate. Sources: University websites, university off-campus housing guides, CMHC rental reports (2024), and student forums, adjusted for 2025 trends.
Savings options for every stage of life
For over 65 years, CST has been Canada’s trusted expert in education savings and investing. CST provides dedicated advice, innovative tools, and flexible solutions, including an RESP, TFSA, and an Investment Account.
Our Accounts
CST Spark RESP
The best choice for education savings, helping you maximize grants and enjoy tax-sheltered growth.
CST Spark TFSA
Grow your education savings tax-free and withdraw anytime, for any goal.
CST Spark Investment Account
Enjoy ultimate flexibility with a non-registered account tailored to fit your goals.
Skip the bank when it comes to investing in education
Win a $10,000 CST Spark RESP
Ignite your child's future with CST Spark. Enter to win exciting monthly prizes for today - and a $10,000 CST Spark RESP for tomorrow! Every big dream deserves a great start.
Invest in your child❜s bright future with CST, the creator of the education savings plan in Canada
Over 700,0001 Canadian families have put their faith in us with their education savings
to offer RESPs in Canada
CST was the first to lobby for education savings plans in Canada.
in managed assets*
Rest easy knowing hundreds of thousands of Canadians trust CST with their education savings.
industry-leading partners
Trusted advisors from CST, Blackrock and RBC Investor Services Trust take care of your plan.
years
of helping Canadian families make post-secondary education attainable
*Canadian Scholarship Trust Plans and CST Spark Education Portfolios 2025 Audited Financial Statements.
Meet some terrific CST families
For over 65 years, over 700,0001 Canadian families have put their faith in us with their education savings.
1 Canadian Scholarship Trust Foundation, 2025
Some of our customers celebrated our 1st birthday by entering a contest draw to win one of two $250 VISA gift cards and told us what saving with CST Spark meant to them. Every customer may not feel this way, but we are glad to hear how they feel!
Take the next step towards your savings goals.
CST Spark Education Portfolios are sold only by Prospectus. Investors should read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Download the Prospectus and Fund Facts.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts or Prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.