An RRSP contribution reduces your taxable income for the current tax year, producing a refund equal to the contribution multiplied by your marginal tax rate. But not every dollar of contribution saves the same amount of tax - the saving drops once your income falls into a lower bracket. This optimizer finds the "sweet spot" contribution that keeps you just above a bracket boundary, ensuring you get the largest possible refund per dollar contributed. For 2026, the RRSP dollar limit is $33,810 (18% of your 2025 earned income up to that cap). Enter your income, province, and available RRSP room and the calculator shows your optimal contribution, expected refund, and effective tax saving. Many Canadians put the refund straight into their TFSA, creating a powerful tax-reduction loop. The tool also supports spousal RRSP scenarios.