When should you take CPP? It depends on your other income.your other income.
Optiml runs every CPP and Old Age Security start age between 60 and 70 against your full plan and shows you the lifetime cheque, the lifetime tax, and the break-even age for each.
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Our network of support · As seen in
- The Globe and Mail
- Financial Post
What Canadians near retirement are asking
What Optiml Solves For You.
How much can I actually spend in retirement?
Optiml calculates your sustainable spending from your exact accounts and income sources. No generic 4% rule. Just your number, modeled across CPP/OAS timing, real estate equity, investment accounts, and business income.
Am I paying more taxes than I need to?
Most Canadians leave meaningful tax savings on the table. Optiml models withdrawal sequencing, CPP/OAS timing, pension income splitting, and CCPC strategy options so you can see where you are overpaying and what to change.
When should I take CPP and OAS?
Starting CPP at 60 versus 70 can swing your lifetime benefit by hundreds of thousands of dollars, and OAS clawback thresholds shift the best timing further. Optiml runs every scenario and shows the tax-optimal start window for your plan.
How does Optiml handle real estate, my corporation, and every registered account at once?
Optiml models RRSPs, TFSAs, FHSAs, LIRAs, RESPs, pensions, non-registered accounts, real estate, and CCPC income in one plan. It surfaces the withdrawal order and strategy combinations that improve after-tax outcomes across your whole balance sheet.
Will I run out of money?
Optiml's Success Score Monte Carlo replays six real market histories and up to 50 Monte Carlo scenarios against your actual plan, and shows how often your spending stayed funded. We suggest aiming for 80% to 90%, then you can see exactly which moves change the score.
Can I actually retire when I want to?
Optiml shows your retirement readiness at each target age. Compare retirement dates side-by-side, see trade-offs instantly, and know when you have enough based on your plan, not guesswork.
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How Optiml works
Every part of your plan, working together.
Optiml is the DIY financial planning software that puts you in control of every decision. Whether you're a spreadsheet pro or just getting into financial planning, Optiml runs the math, builds the strategy, and shows you what to do next. From your first retirement paycheque to your last RRIF withdrawal. Year by year. Decision by decision.
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
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"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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Frequently asked
Common Questions About Optiml.
Build a smarter Canadian retirement plan.
Thousands of Canadians use Optiml to retire better. 250,000+ retirement plans built and counting.
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