# CCB & RRSP Optimizer — Canada CCB & RRSP calculator

> Canada CCB & RRSP calculator (iPhone/iPad app by VIBELOGIC TECHNOLOGIES INC..)

- Source: https://appshunter.io/ios/app/ccb-and-rrsp-optimizer/id6782712394 (this page in markdown: same URL + `.md`)
- Developer: [VIBELOGIC TECHNOLOGIES INC.](https://appshunter.io/developer/6779470417)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 34 MB
- Languages: American English, French (France)
- Released: 2026-06-25
- Data updated: 2026-08-27
- User reviews in markdown: https://appshunter.io/ios/app/ccb-and-rrsp-optimizer/id6782712394/reviews.md

## What is CCB & RRSP Optimizer?

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.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| CCB & RRSP Optimizer Pro | $6.99 | one-time |



## Version history (last 4 releases)

### 1.2.1 — 2026-08-19

Bug fixes and improvements.

### 1.2.0 — 2026-08-01

• Spousal Income Split, Dividend Gross-Up, Maternity Leave, and Daycare Subsidy cards now preview your personalized savings estimate
• Reset button now asks for confirmation before clearing your inputs
• NEW — Export CPA Summary PDF (Pro)
Generate a printable, shareable PDF summary of your full optimization results — perfect for your accountant or year-end tax prep. The report includes your recommended RRSP contribution, CCB before and after optimization, the METR ladder table, and all Pro results (Spousal RRSP, Gross-Up, Maternity Planner, Daycare Optimizer).
• Minor stability improvements

### 1.1.0 — 2026-07-10

Version 1.1.0 — Pro Tax Solvers

Four new advanced calculators for Pro subscribers:

Spousal RRSP Split Optimizer
See exactly how to split RRSP contributions between your account and a spousal RRSP to minimize combined lifetime tax. Shows each spouse's marginal rate and the recommended split.

Cashflow Gross-Up Solver
Don't have enough cash for your full RRSP contribution? A short-term loan can multiply your contribution — your CRA tax refund covers the repayment.

Maternity Leave Planner
Model how EI parental leave affects your family income, CCB payments, and optimal RRSP strategy. Supports standard (50-week) and extended (18-month) leave plans.

Daycare Subsidy Optimizer
Enter your monthly childcare fee to see exactly how much your provincial ELCC/CWELCC subsidy saves you annually. Covers all 13 provinces and territories with current program rates.

METR Visualizer (Free for all users)
New bar chart showing your Marginal Effective Tax Rate at each RRSP contribution step.

### 1.0.0 — 2026-06-25

No release notes.

## More apps by VIBELOGIC TECHNOLOGIES INC.

- [Seller Profit Calc](https://appshunter.io/ios/app/seller-profit-calc/id6779470415)
- [STR Profit Calculator](https://appshunter.io/ios/app/str-profit-calculator/id6794491395)

All apps by VIBELOGIC TECHNOLOGIES INC.: https://appshunter.io/developer/6779470417

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*