See exactly when you can retire, and how much you can spend.
Optiml is retirement planning software for Canadians. It models your whole retirement, then finds the withdrawal order, CPP and OAS timing and tax moves that get you the most from what you have saved.
Traditional plans follow a script. Optiml follows you.
Change one decision and see what it does to your whole retirement in seconds.
What if we retire at 62?
Couple, both 58 · $1.2M saved
Income after tax
$7,850/mo
Saved at retirement
$1.50M
Total Control. No Compromises.
It's your future, take the wheel. Run every scenario that matters to you, see the numbers shift in real time, and move forward with complete confidence.
Your goals, your timeline, your life. Optiml builds a plan around all three, and lets you change any of them whenever you need to.
Explore Compare PlansQuestions people ask
Compare plans
Current plan
Downsize at 63
Success Score
88
92
Spending in your 60s
$7,850/mo
$8,250/mo
Left at 95
$300K
$560K
RRSP meltdown: three paths
RRSP balance by age
Moderate empties the RRSP by 73 and pays the least lifetime tax: $431K.
Stop Leaving Tax Money on the Table.
An RRSP meltdown strategy can save you tens of thousands in taxes, but only if you time it right. Optiml models conservative, moderate, and aggressive drawdown paths so you can see exactly which approach works best for you.
How the RRSP meltdown worksGoal-Based Optimization
A Strategy for the Life You Want.
There is no “right” way to retire, only the way that works for you. From minimizing taxes to maximizing your family legacy, Optiml gives you the tools to build a plan around your goals.
Swipe to see all 6 strategies
Built for every province and territory.
Your plan follows your province's tax rules. In Ontario, that means Ontario brackets plus two extras on top.
Ontario surtax
Ontario Health Premium
Ontario LIF limits, including the prior-year earnings rule
Optiml est disponible en français et en anglais.
4.9 out of 5 on Google
Real Stories from Real Canadians
Thousands of Canadians are already using Optiml to take control of their retirement. Here is what they have to say.
"
"Optiml has fundamentally advanced the way I see my (family's) financial landscape, and retirement forecast & roadmap. Recognising that "most people" are hesitant to DIY their overall financial management, and rely on professional advisors (who use software like this to provide their service); Optiml is closing the gap; enabling simplified yet comprehensive DIY capability; and putting control back in the hands of "the average family". Between the "magic math" of the core system and the embedded AI assistant; it really does feel like having a full-time financial planner at home. Also, they are EXTREMELY responsive in providing support; both in simple "new user" guidance, and in more complex or system functionality inquiries. A simple internet search for "best financial planning software for Canada" will back this up; and a simple, quick, enjoyable set up & trial of the system will confirm everything you "hope" a tool like this should provide. I will be retiring soon, and my financial confidence in doing so has been validated by Optiml. I've even become "the financial expert" in my extended family and beyond, encouraging others to get started."
RG
Ross Guthrie
Google Review
1 / 46
"
"Optiml has fundamentally advanced the way I see my (family's) financial landscape, and retirement forecast & roadmap. Recognising that "most people" are hesitant to DIY their overall financial management, and rely on professional advisors (who use software like this to provide their service); Optiml is closing the gap; enabling simplified yet comprehensive DIY capability; and putting control back in the hands of "the average family". Between the "magic math" of the core system and the embedded AI assistant; it really does feel like having a full-time financial planner at home. Also, they are EXTREMELY responsive in providing support; both in simple "new user" guidance, and in more complex or system functionality inquiries. A simple internet search for "best financial planning software for Canada" will back this up; and a simple, quick, enjoyable set up & trial of the system will confirm everything you "hope" a tool like this should provide. I will be retiring soon, and my financial confidence in doing so has been validated by Optiml. I've even become "the financial expert" in my extended family and beyond, encouraging others to get started."
RG
Ross Guthrie
Google Review
"
"Fantastic software, highly recommended for cash flow analysis and testing different retirement options. Very knowledgeable staff, quick and insightful responses to my questions."
TD
Tracey Dey
Google Review
"
"Optiml is an outstanding Retirement Planning software! It provides professional tools and insights previously only available to "Fee for Service" retirement firms. Great product, great Customer Service, and great training resources available for retirement planning. A true Canadian success story!"
DC
Don Cantwell
Google Review
"
"Impressive platform - it is so easy to use, very intuitive. And when I need help/clarification, EVA is great! I asked EVA several tough questions and she nailed them each time. Much cheaper solution compared to my financial advisor fees!"
RL
Richard Lajoie
Google Review
"
"Very powerful tool. Now that I have started using it, I can't imagine doing my personal financial planning without it."
CB
Christian Belisle
Google Review
"
"Prompt customer service reply to a misunderstanding I had to one of my inputs. Love the program and great YouTube videos."
ND
N D
Google Review
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Professional Power. DIY Price.
Stop paying $3,000 for a one-time plan you cannot control.
Monthly
Annual
Save up to 20%Essentials
Peace of mind, simplified.
$99
/yr
Save 20%
✓
Retirement calculator
✓
Tax-optimized strategies
✓
EVA: Your AI assistant
✓
Deposit & withdrawal strategy
✓
Estate planning
Pro+
Most popular for serious planners.
$249
/yr
Save 20%
✓
Everything in Essentials
✓
CPP / OAS optimizer
✓
Success Score Monte Carlo
✓
Compare plans
✓
Save & store 20 plans
✓
Download plans
Legacy
Built for business owners.
$499
/yr
Save 20%
✓
Everything in Pro+
✓
Trust planning
✓
Holding Company (HoldCo)
✓
Operating Company (OpCo)
Swipe to compare all 3 plans
✦ All plans include a 14-day free trial
View full feature comparison →How much does Optiml cost, and is there a free trial?
Optiml has three plans: Essentials at $9.99 a month, Pro+ at $24.99 a month and Legacy at $49.99 a month. Paying yearly costs $99, $249 and $499, about two months free. Every plan starts with a 14-day free trial with full access to that plan's features, and we email you a reminder 7 days before the trial ends. Cancel anytime. Compare plans
What is the difference between Optiml Lite and the free trial?
Optiml Lite is a free retirement calculator. Answer a few questions about your income, savings and spending and get a quick snapshot of whether you are on track. The 14-day free trial is the full Optiml plan you choose, with tax-optimized withdrawal strategies, what-if scenarios and EVA, your AI assistant. Try Optiml Lite
Is Optiml a financial advisor?
No. Optiml is retirement planning software. It models your whole retirement and shows you the strategy that best fits your goal, but it does not manage your money, sell financial products or recommend specific investments.
Where is my data stored?
Your data is stored in Canada, in Amazon Web Services (AWS) facilities in central Canada, and everything sent to and from Optiml is encrypted with 256-bit encryption. Read our security policy
How does Optiml optimize my retirement plan?
You choose the goal: spend more, retire earlier or leave more behind. Optiml models your retirement year by year, including taxes, CPP and OAS, and your RRSP, RRIF, TFSA and non-registered accounts, then finds the order of withdrawals and the timing that best meets that goal.
Can I use Optiml with my financial advisor?
Yes. You can build your plan in Optiml and review it with your advisor, and on Pro+ you can download your plan to share it. If you are an advisor, Optiml for Advisors lets you build and share plans with your clients. Optiml for Advisors
Our Network of Support
Optiml is proud to be backed by Canada's leading innovation ecosystem and fintech community.
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Take control of your financial future.
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