CCB & RRSP Optimizer

Canadian families with children sit at the intersection of RRSP tax savings and the Canada Child Benefit — and every dollar of RRSP contribution affects both. CCB & RRSP Optimizer finds the exact contribution amount where your combined savings are highest.

RRSP & CCB optimization

Enter your household income, RRSP room, province, and family profile. The app calculates your Marginal Effective Tax Rate at each contribution step — factoring in both your tax bracket and the CCB clawback formula — and surfaces the specific contribution amount that gives you the best return.

Spousal income splitting

Model how splitting RRSP contributions between your account and a spousal RRSP affects your combined lifetime tax bill.

Maternity and parental leave planning

See how EI parental leave affects your family income, CCB entitlements, and RRSP strategy. Supports standard (50-week) and extended (18-month) plans.

Provincial daycare subsidy estimates

Enter your monthly childcare fees and see your estimated annual savings under the federal ELCC/CWELCC program. Covers all 13 provinces and territories with current subsidy rates.

Comprehensive Canadian coverage

All 13 provinces and territories. 2025 and 2026 tax years. No account required — your financial data never leaves your device.

Results are estimates based on published CRA guidelines and income tax brackets. This app does not provide official tax or financial advice.