Stop Guessing. Start Optimizing.
Canadian retirement planning software that stress-tests your life's “What-ifs” to build a tax-efficient retirement plan.
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Retirement age confirmed
✓
RRSP meltdown created
✓
CPP & OAS timing optimized
✓
Travel & Leisure budget funded
✓
Trusted by Canadians Coast to Coast
Stop settling for a “one-size-fits-all” plan.
Use Optiml to model your dream retirement, stress-test for the unexpected, and gain the confidence that you are following the right plan built specifically for you.
149,500+
Financial Plans Created
Join thousands of Canadians who have taken control of their financial future with Optiml's personalized retirement planning platform.
Optiml Plan, Live
Projected Retirement Savings
$320,000
50
55
60
65
70
75
80
✓ Tax Optimized
Retire at 55
❤️
After-Tax Estate Value
$0
✈️
Extra Monthly Spending
+$0
/mo
Traditional plans follow a script. Optiml follows you.
Change a variable, see the impact on your lifestyle in seconds.
What-If Scenario
Retire at 53 vs. 55?
Retire at 55
Retire at 53
See Your Retirement. Adjust It Instantly.
Run unlimited what-if scenarios and watch your financial future shift in real time. Optiml models it instantly so you can make informed financial decisions.
No spreadsheets. No guesswork. Just clear, personalized answers built around your goals, your timeline, and your life.
Build My PlanTotal 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.
Take Control Today
Should we pay off the mortgage early or downsize in five years?
What if we gave the kids their inheritance now while we're here to see them enjoy it?
What if we spend $20k more per year on travel while we're young and healthy?
Optimized Strategy
RRSP Meltdown: Moderate vs. Aggressive?
Moderate
Aggressive
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.
See My RRSP StrategyGoal-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.
With Optiml
Without
Maximize After-Tax Estate
Tell Optiml how much after-tax income you need each year. It secures your lifestyle first, then builds a mathematically optimized plan to leave the largest possible after-tax legacy to the people you care about.
Explore Strategy
With Optiml
Without
Minimize Lifetime Taxes
Tell Optiml how much you want in after-tax dollars each and every year of your plan. Your plan will develop a tax-efficient withdrawal strategy to ensure you pay the least amount of taxes over your lifetime.
Explore Strategy
With Optiml
Without
Maximize Retirement Spending
Spend more, worry less. Optiml designs a tax-efficient withdrawal strategy around one goal: maximizing your after-tax income each year so you can live your best retirement without ever running out of money.
Explore Strategy
Your spending
Estate target
Set Your Estate Target
Define exactly how much you want to leave behind in after-tax dollars. Optiml locks in your legacy goal and calculates the maximum you can spend throughout your lifetime, while confirming you will still hit your target.
Explore Strategy
Strategic draw
No strategy
RRSP Meltdown Strategy
Build your plan around your RRSP. Select between a conservative, moderate, or aggressive meltdown, or create your own custom strategy, to draw down your RRSP in a way that minimizes your tax hit over time.
Explore Strategy
OAS preserved
Clawed back
OAS Clawback Reducer
If your primary focus is ensuring you receive maximum OAS payments each year, this is the strategy for you. Optiml builds a plan designed to avoid OAS clawbacks as much as mathematically possible, while still delivering the after-tax income you need each year.
Explore Strategy
Estate
Spending
Tax
Build Your Own Custom Plan
Our optimized plans run the numbers and provide a math-based approach. Want to add your own touch? Input your own deposit and withdrawal strategy to build a plan exactly the way you want it.
Explore Strategy
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.
"
"I love this software. It is so easy to use, and so intuitive. The scenarios and stress testing functions are great to give yourself a sense check. On top of this, the help desk is super responsive and seems to really care about what they do. Highly recommend."
JW
JMW
Google Review
1 / 33
"
"I love this software. It is so easy to use, and so intuitive. The scenarios and stress testing functions are great to give yourself a sense check. On top of this, the help desk is super responsive and seems to really care about what they do. Highly recommend."
JW
JMW
Google Review
"
"Optiml has been incredibly useful, easy to use, full of insights and time saving (I used to try to do my own models on spreadsheets!). The truth is, I am not sure why everyone is not using this tool for their financial and retirement planning, and I recommend the platform anytime discussions on financial retirement planning come about."
AM
Ale MC
Google Review
"
"The real people customer support and technical teams at Optiml are fantastic, actually, second-to none! They respond quickly and accurately to help you work through any issues. EVA is really great also; she provides excellent details and helps with almost everything (and trust me, I ask a lot of questions!); if you're stuck though, or something doesn't make sense, the real people at Optiml are there to back her up within hours, not days."
KM
Karen Marshall
Google Review
"
"Best DIY retirement planning software and absolutely incredible support for any questions."
ED
Elias Daskalakis
Google Review
"
"I've been using Optiml Pro+ for DIY planning for almost a year now. I found the platform easy to navigate, and when I did have some questions they were very responsive and helpful. It is easy to test and compare various assumptions. They are continuously improving the platform with upgrades such as the cash wedge and scenario management features. Highly recommended."
SH
Stephen Hamada
Google Review
"
"Great piece of code / platform. Go blow the doors off the establishment!"
DH
Derek Hulbig
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
✓
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)
✦ All plans include a 14-day free trial
View full feature comparison →Our Network of Support
Optiml is proud to be backed by Canada's leading innovation ecosystem and fintech community.
