CCB & RRSP Optimizer

New in 1.1.0: Spousal RRSP split, maternity leave planner, daycare subsidy optimizer & gross-up solver. Maximize every dollar of your family's tax savings.

CCB & RRSP Optimizer helps Canadian families with children find their optimal RRSP contribution — the point where tax savings and Canada Child Benefit (CCB) increases combined give you the highest return on every dollar contributed.

HOW IT WORKS Enter your income, RRSP contribution room, province, and family profile. The calculator applies your actual federal and provincial marginal tax brackets alongside the CCB clawback formula to compute your Marginal Effective Tax Rate (METR) at each contribution step.

The result: a specific RRSP dollar amount that maximizes your total savings — not just your tax refund, but the combined effect of lower taxes and higher CCB payments landing in your account each month.

WHAT YOU GET • Optimal RRSP contribution recommendation • Total savings estimate (tax reduction + CCB increase combined) • Monthly CCB increase in dollars • Step-by-step breakdown showing your effective savings rate at each contribution level • Support for 2025 and 2026 tax years • All 13 provinces and territories

WHO IT'S FOR Canadian families earning $40,000–$150,000 with one or more children under 18 who want to make the most of their RRSP room before the annual deadline.

PRIVACY No account required. No personal data stored or transmitted. Income figures are never sent to any server. Anonymous usage analytics only.

DISCLAIMER Results are estimates based on published CRA guidelines and income tax brackets. This app does not provide official tax or financial advice. Consult a certified tax advisor for filing decisions.