The Retirement Planning Software Built for Canada.
Optiml is the Canadian retirement planning software that models every RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pension, CPP and OAS rule in one plan so you can maximize tax efficiency.
125,000+ retirement plans run · 4.8 / 5 · PIPEDA compliant · Canadian data storage
14-day free trial. Cancel anytime in-app.
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Every Canadian account modelled
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CPP and OAS timing optimized
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OAS clawback avoided
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Lifetime tax minimized
As seen in: Globe and Mail · Financial Post · Invest Nova Scotia · fintech.ca · Moolala Podcast
125,000+ plans run
4.8 / 5 rating
BBB A+
PIPEDA compliant
What Canadian retirement planning software should do
Test every what-if. Optimize every tax. Build a plan around your goals.
Every Optiml plan models your full Canadian retirement picture, year by year, and re-optimizes every time your situation changes.
Built for Canada
Every CRA rule, every provincial tax bracket, every federal benefit programme. Optiml is retirement planning software designed for Canadians from day one, not ported from a US app.
Every Canadian account
RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pensions, real estate, non-registered, and corporate accounts. One plan, one interface, every account modelled together.
Goal-based optimization
Pick after-tax estate, lifetime taxes, or maximum annual income. Optiml simulates each path so you can compare outcomes side by side before choosing.
OAS clawback protection
Optiml keeps your modelled income under the Old Age Security recovery threshold so you do not quietly hand your benefits back to the CRA.
Success Score out of 100
A single resilience score based on 50 market scenarios drawn from 50,000+ generated return paths. You know how your plan holds up before markets move.
Compare scenarios side by side
Retire at 60 vs 65. Take CPP at 65 vs 70. Downsize vs stay put. Optiml runs each scenario in full so you can choose with the numbers in front of you.
RRSP meltdown strategy
Optiml models a year-by-year RRSP drawdown to move the money out of your registered accounts at the lowest possible marginal rate, protecting your estate from a final-year tax cliff.
Pension income splitting
For Canadian couples, Optiml models pension income splitting across both partners to minimize combined household tax and keep both partners under the OAS clawback threshold.
Eva, your in-app AI assistant
Ask scenario questions in plain English and get Canadian-specific answers grounded in your own plan. Powered by Google Gemini, available on all plans.
14-day free trial. Cancel anytime in-app.
Not all retirement planning software is Canadian
Software built for Canada vs everything else.
How Optiml compares to the alternatives most Canadians consider when shopping for retirement planning software.
| Feature | Optiml | US-built apps | Spreadsheet planning | Generic planners |
|---|---|---|---|---|
| Models RRSP, TFSA, FHSA, LIRA, RESP, RDSP, real estate, non-registered, corporate accounts, inheritance, and more in one plan | Manual | Varies | ||
| CPP and OAS start-age optimization, RRSP meltdown strategy, and many more tax optimization strategies | Varies | |||
| OAS clawback modelling | Varies | |||
| Provincial tax brackets built in | Manual | Varies | ||
| Pension income splitting modelled | Manual | Varies | ||
| Corporate planning for CCPC and HoldCo | Legacy plan, full tax integration | Out of scope | Rare | |
| Success Score (resilience across 50 market scenarios) | Varies | Rare | ||
| In-app AI assistant grounded in your plan | Eva, Google Gemini, on all plans | Varies | Rare | |
| Canadian data storage, PIPEDA compliant | You manage it | Varies | ||
| Unlimited scenarios, re-run any time | Varies | Manual | Varies | |
| Price | Varies, most popular is $249 / year (Pro+) | Varies | Your time | Varies |
What Canadians say about Optiml
Chosen by Canadians comparing retirement planning software.
“What I found really appealing about Optiml was that it's user friendly and has all the information and features I am looking for in an online solution.”
Sara M., Toronto ON
“Loving the independence and education that Optiml is giving my husband and me as we prepare for retirement. With Optiml's clear visual dashboards, it's the first time we have felt we can understand and take ownership of a draw-down strategy. We got this!”
Karen R., Alberta
“Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!”
Robert P., Edmonton AB
Build a smarter Canadian retirement plan.
14-day free trial on every Optiml tier. Plans from $9.99 / month. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.