Co vs CCB & RRSP Optimizer

What you can do in the app: Sign in with biometrics: — Signing in is easy and secure when you set up biometric login, like Face ID or Touch ID. Submit a home, auto and recreational vehicle claim — Manage every step of the claims process right from your device: start a claim, track its status, upload documents and take photos. Need to pause? We’ll save your progress so you can pick up where you left off. Get your proof of insurance* — Enjoy instant access to your digital pink slip for any of your auto and recreational vehicle policies. You can also add your pink slip to your mobile wallet. Facility Association (FA) clients don’t have access to this feature. Access paperless documents — With just a few taps, you can instantly pull up your coverage details and investment documents. We’ll email you when new documents become available. Make a payment — View bills, make a payment and update your payment methods. Manage policy details — Make changes to your home, auto and recreational vehicle policy, like adding a driver or a vehicle. Online Services support — If you need help with Online Services, call 1-855-446-2667 or email client_service_support@cooperators.ca *Although your pink slip is a valid proof of insurance in most provinces and states, we recommend that you always keep a paper copy with you. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission. ©2026 Co-operators General Insurance Company

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.