CCB & RRSP Optimizer

Canada CCB & RRSP calculator

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

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.

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Bug fixes and improvements.

Version 1.3.0

The developer, VIBELOGIC TECHNOLOGIES INC., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

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    Accessibility

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    Information

    Seller
    VIBELOGIC TECHNOLOGIES INC.
    Size
    35.2 MB
    Category
    Finance
    Compatibility
    Requires iOS 15.1 or later.
    • iPhone
      Requires iOS 15.1 or later.
    • iPod touch
      Requires iOS 15.1 or later.
    • Mac
      Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English and French
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    © 2026 VibeLogic Tech
  • Privacy Policy

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