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Employer match optimizer

What this is

Are you capturing all the free money?

Many Canadian employers match your group-RRSP or DCPP contributions up to a cap. Contributing less than the cap leaves guaranteed money on the table, the most expensive mistake working Canadians make. This shows the match you capture, the match you miss, and what it compounds to by retirement.

  • ·Match cap: the share of salary your employer will match (often 3-6%).
  • ·Match rate: dollar-for-dollar (100%) or partial (e.g., 50 cents per dollar).
  • ·A missed match is pure lost return: contribute up to the cap first, before any other investing.

Employer match / yr

$2,250

Missed / yr

$1,500

Total to plan / yr

$4,500

Value at retirement

$246,890

Your contribution earns an instant 100% from the employer match, before any market growth.

Educational. Not financial advice. Plans vary: vesting schedules, eligible earnings, and contribution limits differ. Verify with your plan summary.

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Disclaimer

Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.