Family Tax & Savings Planner

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: This app is an independent tool and is not affiliated with, endorsed by, or representing the Government of Canada or the Canada Revenue Agency (CRA). Results are estimates based on publicly available CRA guidelines. Consult a certified tax advisor for official filing decisions.


Sources of government information:
• Canada Child Benefit (CCB): https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview.html
• Federal & Provincial Tax Rates: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html
• RRSP Contribution Rules: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp.html