The Retirement Planning Software Canadians Use to Plan It Themselves.
Every account, every decision, every year of retirement in one place. The complete do-it-yourself financial planning software for Canadians who want to run their own plan.
4.8 / 5 average rating · BBB A+ · 150,000+ retirement plans run · PIPEDA compliant — AES-256 encryption; AWS Canadian data center
Cancel anytime in-app.
As featured in the Globe and Mail
As featured in the Financial Post
BBB A+
PIPEDA compliant — AES-256 encryption; AWS Canadian data center
Built for the do-it-yourself Canadian
Built for Canadians who would rather run their own plan.
Most retirement planning still happens behind a closed door, with an advisor charging around 1% of your assets every year. It works, but it is expensive, and it puts someone else in the driver's seat. The truth is that Canadians who understand their own situation often plan it better, as long as they have software built for the job. That is what Optiml is: every account, every Canadian rule, and every year of retirement, with the math done for you. You stay in control, and you can see exactly what your plan does.
Everything you can plan yourself
One plan. Every account. Every year of your retirement.
Optiml is the do-it-yourself retirement planning software that lets Canadians model their whole financial picture, not just a single number. Many shoppers compare it among the best retirement planning software options in Canada.
Every account, in one plan
Plan your Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), First Home Savings Account (FHSA), non-registered accounts, pensions, real estate, and corporate accounts together, not in isolation.
Model your real spending
Enter what you spend today, or let Optiml model it for you. Future travel, a mortgage payoff, and one-off goals all flow into the plan and adjust as life changes.
See every year, not a single number
Most calculators give you one number. Optiml shows every year of retirement: income, taxes, balances, and what you can leave behind. Your Success Score sums up how resilient the plan is across thousands of market scenarios.
Test every scenario
Retire at 60 or 65. Move to a cheaper city. Take Canada Pension Plan (CPP) early or late. Optiml compares scenarios side by side with Compare Plans, so you can choose with the numbers in front of you.
Built around Canadian rules
RRSP and TFSA contribution room, Registered Retirement Income Fund (RRIF) minimums, Old Age Security (OAS) clawback thresholds, and provincial tax brackets are all live and current. The CPP & OAS Optimizer finds your best start timing automatically.
Built-in AI assistant
EVA, your Electronic Virtual Assistant, answers any question about your plan, from Canadian tax rules to what-ifs, grounded in your full picture. Available on every plan.
Cancel anytime in-app.
How it works
Three steps. You stay in the driver's seat.
No financial professional required. Get your first Canadian retirement plan up and running quickly, then add detail to fine-tune as you go. Re-run in seconds when life changes.
Input your full picture.
Income, accounts, real estate, pensions, and your partner's plan. Most Canadians get their first plan running in 15 to 45 minutes, depending on complexity. Start with the essentials and fine-tune with more detail anytime. Optional direct bank account linking on Pro+.
Pick your strategy. Optiml runs the math.
Choose what you want to optimize toward: increase after-tax estate, build a plan to spend it all, minimize lifetime tax, or fully customize your plan. Every account, every Canadian rule, every year of retirement, modelled in seconds.
You drive the plan.
Compare scenarios, test what-ifs, and see the difference. Add more detail over time to fine-tune, and adjust any time life changes. Optiml then gives you your action plan, showing exactly how to achieve your goals.
Spreadsheet, advisor, or software
Three ways to plan your retirement. Pick the one that fits.
Most Canadians shopping for retirement planning software are choosing between a spreadsheet, an advisor, and software like Optiml.
| Feature |  | A spreadsheet | A financial advisor |
|---|---|---|---|
| Cost | $249/year (most popular plan) | Free, but hours of upkeep | $3,000 to $5,000 a year (about 1% of assets) |
| Scenarios | Unlimited, side by side | One at a time | One or two from the advisor |
| Canadian tax math | Live 2026 brackets, every province and territory | You build it yourself | Done for you |
| Stays up to date | Always current | Stale within a year | Annual review |
| Who drives the plan | You | You | Them |
| Your data | Yours, stored in Canada | Yours | Shared with the advisor |
| Cancel anytime | Yes, anytime in-app | N/A | Often locked in |
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
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"
"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
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"Great piece of code / platform. Go blow the doors off the establishment!"
DH
Derek Hulbig
Google Review
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What Optiml Actually Gives You
Not features. Outcomes.
Behind every tool is a feeling. Confidence. Clarity. Control. Here is what Optiml is really built to give you.
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.
Built to carry you forward.
Your plan is stress-tested across market downturns, rising inflation, and varying returns. See the odds your income holds up, year by year, modelled against thousands of market paths.
More for your family.
Optiml models the most tax efficient way to pass on your estate. Avoid unnecessary tax liabilities so your beneficiaries keep what you worked hard to build.
Your plan, on your terms.
Update your financial plan from home. No calls, no emails, no waiting. Make a change and see the impact in seconds. You are in control, always.
Know exactly what to draw, and when.
Get a year by year withdrawal roadmap showing which account, how much, and in what order. No spreadsheets. No guessing. Just a clear path through retirement.
See your tax picture, start to finish.
Watch how your tax liability evolves through every stage of retirement. Identify the windows where smart moves make the biggest difference.
Frequently asked by DIY Canadians
Questions shoppers ask before choosing Optiml.
Simple Canadian pricing
Pick a plan and start your 14-day free trial.
All plans are in Canadian dollars. Every plan includes a 14-day free trial, and you can cancel anytime in-app.
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)
✦ Every plan includes a 14-day free trial
View full feature comparison →
Built in Canada
“We built Optiml to empower Canadians to build their own financial plans and gain the confidence to make informed decisions about their financial future.”
Zac Davies
Co-Founder & CEO, Optiml
Headquartered in Halifax, Nova Scotia
Built for Canadians who want to plan it themselves.
4.8 / 5 average rating. 150,000+ retirement plans run. 14-day free trial on every plan.
Cancel anytime in-app.
Cancel anytime in-app.