What Optiml actually gives you
Not features. Outcomes.
Behind every feature is a feeling. Confidence. Clarity. Control.
Unlimited What-If Scenarios
Yes, you can retire.
Stop wondering if you have enough. Optiml runs your complete financial picture and gives you a clear, honest answer backed by math, not guesswork.
Withdrawal Optimizer
Know exactly which account to draw from, and how much, every year.
Don't follow a generic withdrawal order. See a personalized strategy showing exactly when and how much to withdraw from each account, year by year, built around your tax situation and your goals.
CPP and OAS Optimizer
Actually calculate the best time to start taking your CPP and OAS.
Most Canadians leave tens of thousands of dollars on the table by defaulting to age 65. Optiml runs every possible start age against your full plan and tells you exactly when to take it.
Estate Projector
See exactly how much you will leave behind for your loved ones.
Know your after-tax estate value down to the dollar. Understand what goes to your family and what goes to tax, and find the strategies that tip that balance in your family's favour.
Ready to see your own numbers?
Try every feature above free for 14 days with Pro+.
Success Score Monte Carlo
Have confidence you won't run out of money.
Your plan is tested with Monte Carlo simulation across market downturns, rising inflation and varying returns, so you can see how your income holds up before you count on it.
Plan Comparison
Compare different strategies side by side. Know the difference immediately.
Small decisions have enormous long term consequences. Optiml makes those consequences visible so you can choose with confidence rather than anxiety.
Save and Manage Plans
Your plan, on your terms. Update it from home any time.
Make a change and see the impact in seconds, any time, from home. You are in control of your own financial future.
Wealthica Integration
Your plan always reflects what you actually have.
No more manual updates. No more stale numbers. Your accounts sync automatically so every decision you make is grounded in your real financial picture.
EVA, Your AI Assistant
Never make a financial decision alone again.
Have a question about your plan? Ask EVA. It knows your numbers, understands your goals, and gives you a straight answer without the jargon.
What goes in your plan
One plan, with your whole financial life in it
Taxes
Tax brackets, credits and deductions, federal and for all 13 provinces and territories.
Spending
Retirement expenses that change over time, with Go-Go, Slow-Go and No-Go phases set to your own ages and spending levels.
Withdrawals
The order to draw from your RRSP, RRIF, LIRA, LIF, TFSA and non-registered accounts, with defined contribution pensions included.
Government benefits
CPP or QPP, OAS and GIS, with start ages tested and the OAS recovery tax built in.
Real estate
Your home, a cottage, land and rental properties, each on its own, with future purchases and sales by month.
Debt
Mortgages, HELOCs, lines of credit and loans, including investment loans with tax-deductible interest.
Corporations
A HoldCo, multiple OpCos and a trust, planned together with your personal accounts.
Stress test
Six real market histories, including high inflation, and up to 50 Monte Carlo scenarios, summed up in your Success Score.
Compare
Build multiple plans and put them side by side, to see which one works best for you.
Some of these are on Pro+ and Legacy.
See what's on each planReady to build your optimized plan?
Take control of your financial future.
Features
EVA - AI AssistantCPP & OAS OptimizerWithdrawal OptimizerSuccess Score Monte CarloCompare PlansWealthica IntegrationEstate ProjectorBusiness OwnersCross-Border CanadiansDebt PlanningTax OptimizationRetirement SpendingReal Estate© 2026 Optiml. All rights reserved.