Canada Learning Bond (CLB)

FederalSavingsChecked October 2, 2026

The Canada Learning Bond puts free money into an RESP for children from low-income families. You do not have to contribute anything.

How much

$500 in the first eligible year, then $100 for each later eligible year up to age 15. Lifetime maximum $2,000.

When it's paid

Deposited into the child's RESP.

Who qualifies

The child was born in 2004 or later
The child has a SIN and an RESP
Family income is at or below the limit (e.g. $58,523 for 1–3 children, July 2026–June 2027)

How to apply

Get the child a SIN
Open an RESP (no contribution needed)
Ask the provider to request the CLB
File tax returns every year

What to have ready

Child's SIN
Primary caregiver's SIN

Common mistakes to avoid

Thinking you must contribute money
Not filing taxes, which blocks eligibility
Waiting too long; past entitlements are paid only after opening an RESP

Still being confirmed: Birth-year rule and age 18–20 self-apply rules not re-confirmed. Check the official page for the latest details.

Official sources

Canada.ca – How much money can be added to RESPs ↗

Last checked against these pages on October 2, 2026.

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BenefitCanada is independent and not affiliated with any government. This guide summarizes official sources in plain language; rules and amounts change, so always confirm on the official page before applying.