Spend with confidence. Modelled, not guessed.
Optiml answers the question that matters most in retirement. How much can you actually spend, every year, without running out, and how much more if markets cooperate.
125,000+ retirement plans run · 4.8 / 5 · PIPEDA compliant · Canadian data storage
14-day free trial. Cancel anytime in-app.
-2x.webp)
✓
Safe spending floor set
✓
Upside scenarios modelled
✓
Success Score out of 100
✓
Recalculated as life changes
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
Two ways to answer the spending question
Guess and hope. Or your Optiml-modelled spending number.
Guess and hope
DIY SPREADSHEET
Hope
single rate-of-return assumption
- One average return baked into every year
- No volatility test, no bad-market dry run
- No clear answer to what you can spend this year
- Static once it's built, never re-solved
- Confidence comes from the spreadsheet feeling, not the math
Optiml-modelled spending
BUILT FOR YOU
/100
Success Score, retirement resilience
- Safe spending floor that holds in 50 market scenarios
- Upside number for years where markets cooperate
- Year-by-year withdrawal sequencing across every account
- Recalculated instantly any time your situation changes
- Eva can answer 'what if I spend $5K more this year' in plain English
Illustrative example. Your results are unique.
Finally know your real spending number in retirement.
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.