Your Retirement, Optimized for Canadians.
Optiml models RRSP, TFSA, FHSA, CPP, OAS, pensions, and real estate in a single plan — so you keep more of what you have built.
4.8 / 5 · BBB A+ · 125,000+ retirement plans run
14-day free trial · Plans from $9.99/mo
✓
Retirement age confirmed
✓
RRSP meltdown optimized
✓
CPP & OAS timing set
✓
Lifetime tax minimized
4.8 / 5 rating
BBB A+
125,000+ plans run
Canadian data storage
PIPEDA compliant
Why Optiml
Built for every Canadian account. Every Canadian rule.
Most planning tools are built for Americans and treat your accounts as generic buckets. Optiml is 100% Canadian, accurate on every CRA rule that matters for your retirement.
Minimize lifetime taxes
We model every year of your retirement to find the order of withdrawals that keeps more in your pocket.
Stress-test your plan
Your Success Score runs 50 market scenarios against 50,000+ generated return paths so you know how resilient your plan is.
Canadian to the core
RRSP, TFSA, FHSA, LIRA, RESP, RDSP, CPP, OAS, pensions, real estate, corporate accounts. Every tool. Every rule. One plan.
Plan in minutes, not months
Skip the $3,000 financial plan. Optiml runs in minutes and updates whenever your situation changes.
Compare every strategy
Side-by-side what-if scenarios. CPP at 65 vs 70, RRSP meltdown vs standard drawdown, retire at 60 vs 65.
Your data stays in Canada
PIPEDA-compliant storage on Canadian servers. Bank-grade encryption. You own your plan.
How it works
From inputs to Action Plan in three steps.
Your full retirement picture, modeled year by year.
Enter your accounts once.
RRSPs, TFSAs, FHSAs, LIRAs, pensions, real estate, corporate accounts. Optiml reads them all. Your data syncs automatically via Wealthica if you want it to.
Set your retirement goals.
Target retirement age, desired lifestyle spend, legacy goals, risk tolerance. Optiml translates them into a mathematical optimization.
See your optimized plan.
Every year: which account to draw from, how much CPP to take, when to trigger OAS, and how much lifetime tax you will pay. Compare strategies side by side.
What Canadians say
Trusted by thousands of Canadians.
“I spent $3,000 on a retirement plan last year. Optiml showed me the same plan in 20 minutes, plus five others I had not considered.”
Greg P., Halifax
“Finally a tool that actually understands CPP clawback and RRIF minimums without me having to explain them.”
Sandra R., Calgary
“The Success Score alone was worth the subscription. I had no idea my plan was that fragile.”
Martin T., Vancouver
Frequently asked
Questions Canadians ask us most.
See your plan in under 15 minutes.
14-day free trial. Plans from $9.99 / month. Cancel anytime.
14-day free trial · Plans from $9.99/mo
14-day free trial · Plans from $9.99/mo