---
title: "Canadian Retirement Tax Planning Software | Optiml"
url: https://optiml.ca/go/retirement-tax-optimization/
description: "Retirement tax planning software for Canadians. Optiml models OAS clawback, CPP and OAS timing, withdrawal order, RRSP meltdown, and lifetime tax, year by year. 14-day free trial."
---

# Retirement Tax Planning Software for Canadians. Modelled, Not Guessed.

Optiml is Canadian retirement tax planning software for individuals who suspect they may pay more tax in retirement than they need to. It models Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), Registered Retirement Income Funds (RRIFs), Canada Pension Plan (CPP), Old Age Security (OAS), pension income splitting, and OAS clawback across every year of retirement.

**This page is for tax-planning intent**, not general DIY retirement software shopping (see /go/retirement-planning-software-canada/) and not pure withdrawal-strategy education.

**Trust signals:** 4.8 / 5 average rating · BBB A+ · 150,000+ retirement plans run · Canadian data storage · PIPEDA compliant.

## The biggest hidden cost in retirement isn't fees. It's tax.

Most Canadians focus on returns and fees, while lifetime tax is often the largest controllable cost across a 30-year retirement. RRIF tax cliffs, OAS clawback, withdrawal-order mistakes, and sub-optimal CPP timing stack up. Optiml models the tax-efficient path across every account, every year. You see projected tax under your current plan and under optimized strategies.

## Every tax outcome Optiml models

- **Avoid the OAS clawback.** Income modelled year by year against the OAS Recovery Tax threshold; withdrawal strategies that keep you below the clawback floor where possible.
- **Find your optimal CPP and OAS age.** Combinations across ages 60 to 70 for your bracket, longevity, and other income (CPP & OAS Optimizer).
- **Optimize withdrawal order.** Sequencing across RRSP, TFSA, RRIF, and non-registered accounts to minimize lifetime tax (Withdrawal Optimizer).
- **Defuse the RRIF tax cliff.** RRSP Meltdown strategies across conservative, moderate, and aggressive approaches.
- **Split pension income with your partner.** Couples planning, spousal RRSP optimization, pension income splitting.
- **See lifetime tax projected.** Federal and provincial tax projected across every retirement year.

## How it works

Three steps. You stay in the driver's seat. Get your first retirement tax plan up and running quickly, then add detail to fine-tune as you go. Re-run in seconds when life changes.

1. **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+.
2. **Pick your strategy. Optiml models the tax-efficient path.** 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. Federal and provincial brackets, RRIF minimums, OAS clawback thresholds, and pension splitting applied year by year.
3. **You drive the plan.** Compare scenarios, test what-ifs, and see the projected tax difference. Add more detail over time to fine-tune, then save the plan you want. Optiml then gives you your action plan, showing exactly how to achieve your goals.

## Spreadsheet, tax accountant, or Optiml

| | Spreadsheet | Tax accountant | Optiml |
|---|---|---|---|
| Cost | Free, hours of math | $300-$1,500/year | $249/year (most popular) |
| Scope | One year | Filing year | Every retirement year |
| OAS clawback | If you build it | Sometimes | Always, year by year |
| CPP/OAS timing | If you build it | Rarely | Every combination |
| RRSP meltdown | Rarely | Rarely | Yes |

## Frequently asked questions

### How much tax can Optiml actually save me?

It depends on your situation. Illustrative range: 3-15% lifetime tax savings across the retirement horizon from sequencing, clawback protection, CPP/OAS timing, meltdown, and splitting. Projected from your inputs, not guaranteed.

### Is Optiml a tax-filing tool?

No. It is retirement tax planning software. Use a filer for annual returns; Optiml models the multi-year strategy.

### Is Optiml giving me tax advice?

No. Planning and optimization software only, not a registered tax advisor.

### Does Optiml model CPP and OAS timing?

Yes. CPP & OAS Optimizer runs ages 60-70 against your full plan.

### Will Optiml help with OAS clawback?

It models income against the recovery threshold and shows strategies to stay below the floor where possible.

## Pricing

All paid plans include a 14-day free trial in CAD. See https://optiml.ca/pricing/ or the live pricing cards on https://optiml.ca/go/retirement-tax-optimization/

Start a trial: https://app.optiml.ca/?signup