Canada's #1 Financial Planning Tool
Turn Complex Retirement Choices Into Clear, Optimized Plans
Easily test CPP & OAS start ages and see the lifetime tax impact instantly
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Why Choose Optiml
Powerful Features Built for Canadians looking to Retire Better
Everything you need to optimize your financial future in one comprehensive platform
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Testimonials
Real stories from people optimizing their financial future
Mark C.
Saint John, New Brunswick
"I've been paying accountants, bankers, insurance brokers etc and can never get any concrete recommendations from any of them. When I read about Optiml, I thought finally, someone is as frustrated as me!"
Reddit User
Verified User
"I've been using Optiml for a couple of days now and it's amazing. Simple interface, easy to use and includes all the accounts a Canadian would want to plan for."
Gail L.
Halifax, Nova Scotia
"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
Donald J.
NS
"Thanks to the confidence we gained after running our financial plan through Optiml, my wife was able to retire comfortably. The interface is intuitive, and the insights are exceptional."
James Albo
QC
"I have been using Optiml for 2 months. It is an incredible piece of software and I wanted provide feedback. For DIY investors like myself, I nolonger need to rely on my spreadsheet. I can now do more than I ever could using this software. They seem to push out new updates on a weekly basis and their customer support is very fast and friendly. It is also a Canadian company which is why I originally signed up!"
Kevin Stone
ON
"Top notch simulation software that finally exists , at a reasonable price ,for DIY investors to plan their retirement in the most tax-efficient manner possible. Prior to Optiml, DIY spreadsheets almost solved this problem, but required a lot of effort and were error prone. The Optiml team is super-responsive to sort out any issues and offer helpful tips. I have not found a better solution for Canadian DIY investors."
Louise J.
NS
"I recently retired and had been working with my investor on a 3–5 year plan, but it just wasn’t giving me the clarity or confidence I needed. Then I found Optiml, and I was honestly blown away. It showed me exactly what I could spend without worrying about running out of money — total peace of mind. What surprised me most is that I could actually do more than I expected — travel, enjoy life, and still stay on track. It was also really easy to set up, and I love that it lets you run different scenarios to help make smart decisions and minimize taxes. Highly recommend to anyone planning for retirement or already retired. It’s a game-changer."
Sarah Sutton
NS
"Easy to use and helped me understand my parents finances with a few different scenarios. Was insight we didn’t have before signing up - highly recommend. Also helped me better understand my investment strategy to optimize taxes later on."
Patricia W.
Victoria, BC
"I just retired this year and was overwhelmed trying to figure out how to draw down my investments. With Optiml, I could finally see everything clearly, from government benefits to taxes. It helped me build a strategy I could understand and stick to."
Anita S.
Montreal, QC
"I’ve tried all the spreadsheets and other tools, nothing compares to the level of detail and automation Optiml gives you. And with EVA, I can ask questions and get plan-specific answers in seconds."
Tony L.
Ottawa, ON
"As a business owner, I needed something that could handle multiple income streams, a CCPC, and a future sale. Optiml handled it all. It’s become my go-to tool for stress testing different exit strategies."
Mark C.
Saint John, New Brunswick
"I've been paying accountants, bankers, insurance brokers etc and can never get any concrete recommendations from any of them. When I read about Optiml, I thought finally, someone is as frustrated as me!"
Reddit User
Verified User
"I've been using Optiml for a couple of days now and it's amazing. Simple interface, easy to use and includes all the accounts a Canadian would want to plan for."
Gail L.
Halifax, Nova Scotia
"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
Donald J.
NS
"Thanks to the confidence we gained after running our financial plan through Optiml, my wife was able to retire comfortably. The interface is intuitive, and the insights are exceptional."
James Albo
QC
"I have been using Optiml for 2 months. It is an incredible piece of software and I wanted provide feedback. For DIY investors like myself, I nolonger need to rely on my spreadsheet. I can now do more than I ever could using this software. They seem to push out new updates on a weekly basis and their customer support is very fast and friendly. It is also a Canadian company which is why I originally signed up!"
Kevin Stone
ON
"Top notch simulation software that finally exists , at a reasonable price ,for DIY investors to plan their retirement in the most tax-efficient manner possible. Prior to Optiml, DIY spreadsheets almost solved this problem, but required a lot of effort and were error prone. The Optiml team is super-responsive to sort out any issues and offer helpful tips. I have not found a better solution for Canadian DIY investors."
Louise J.
NS
"I recently retired and had been working with my investor on a 3–5 year plan, but it just wasn’t giving me the clarity or confidence I needed. Then I found Optiml, and I was honestly blown away. It showed me exactly what I could spend without worrying about running out of money — total peace of mind. What surprised me most is that I could actually do more than I expected — travel, enjoy life, and still stay on track. It was also really easy to set up, and I love that it lets you run different scenarios to help make smart decisions and minimize taxes. Highly recommend to anyone planning for retirement or already retired. It’s a game-changer."
Sarah Sutton
NS
"Easy to use and helped me understand my parents finances with a few different scenarios. Was insight we didn’t have before signing up - highly recommend. Also helped me better understand my investment strategy to optimize taxes later on."
Patricia W.
Victoria, BC
"I just retired this year and was overwhelmed trying to figure out how to draw down my investments. With Optiml, I could finally see everything clearly, from government benefits to taxes. It helped me build a strategy I could understand and stick to."
Anita S.
Montreal, QC
"I’ve tried all the spreadsheets and other tools, nothing compares to the level of detail and automation Optiml gives you. And with EVA, I can ask questions and get plan-specific answers in seconds."
Tony L.
Ottawa, ON
"As a business owner, I needed something that could handle multiple income streams, a CCPC, and a future sale. Optiml handled it all. It’s become my go-to tool for stress testing different exit strategies."
Robert P.
Edmonton, Alberta
"Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!"
Ronda L.
Edmonton, Alberta
"I am a landlord of 33 years. With Optiml I was finally able to enter all the data to run numerous scenarios with my rental income, expenses, multiple doors, future sales, UCC and mortgages. The evaluation shows my CPP, OAS, GIS, capital gains, TFSA, RRSP investments, up to age 100. This reinforced my 'why' and yearly actions to take to optimize tax savings. I feel informed and in control."
Reddit User
Verified User
"I signed up a week ago (free trial) and have been putting it through its paces. I find the set up easy. It only takes a few mins to run an Optimization. I am now trying to come up with the best withdrawal plan and I don't want to pay $2000-$4000 to have someone run numbers. Optiml appears to be working continuously on updates and I plan to keep my monthly subscription beyond the free trial."
Brian Morgan
ON
"After exploring several user-focused financial planning tools, I came across Optiml, and it quickly became my tool of choice. I really appreciated how easy it was to build my own financial plan just by entering all the relevant information. The platform also offers connectivity to banks and investment institutions, allowing financial data to be updated whenever I choose, which makes keeping things current very convenient. I found it particularly valuable to run various 'what-if' scenarios, adjust withdrawal strategies, and explore different retirement planning options—giving me a much clearer picture of the long-term implications of my decisions. What really stood out, though, was the great support. The Optiml team is quick to respond, eager to help, and very open to user suggestions. They've shown a genuine willingness to consider feature requests and quality-of-life improvements for future releases, which makes me feel like they're building this platform with their users in mind"
Karen Rockwell
AB
"Loving the independence and education that Optiml is giving my husband and me as we prepare for and reflect on our retirement possibilities. With Optiml's clear and visual dashboards and reports, it's the first time we have felt that we can understand and take ownership of a draw-down strategy. We got this!"
Paul Cabrera
ON
"I am a DIY investor and financial manager for our personal finances. I've worked in the financial sector most of my career; American Express, JP Morgan, Scotiabank, Global Payments & Fiserv. My wife and I are fortunate to retire at 53 years of age achieving FI (financial independence) with a multiple 7 figure portfolio. Savings and accumulation is by far easier then retirement/decumulation. Everything I need in a software program I get with Optiml to help me make the right financial decisions in retirement. SERVICE & RESPONSIVENESS from the team at Optiml is also the main driver for selecting them in a field riddled with financial tools and software providers."
Janet O'Brien
PEI
"Love this software, it totally exceeded my expectations as far as assisting with determining how to fund retirement spending! I would definitely recommend for any Canadians with or without a financial advisor to get peace of mind about your financial plan and well being, either before or after retirement."
Jodie du Plessis
NB
"As recent immigrants to Canada, we discovered this product and it has been an incredible help in getting us started on the right foot. The customer support is outstanding, and the user interface is intuitive and easy to navigate. Highly recommend!"
Derek F.
Toronto, ON
"Optiml makes financial planning feel doable, even in your 30s. It helped me model buying a home, saving for the future, and even early retirement options, all without needing a financial advisor."
Jason & Mira
Winnipeg, MB
"What I love most is how easy it was for my partner and I to plan together. We could both log in, make changes, and run scenarios in real time. It feels like we finally have control over our financial future, together."
Robert P.
Edmonton, Alberta
"Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!"
Ronda L.
Edmonton, Alberta
"I am a landlord of 33 years. With Optiml I was finally able to enter all the data to run numerous scenarios with my rental income, expenses, multiple doors, future sales, UCC and mortgages. The evaluation shows my CPP, OAS, GIS, capital gains, TFSA, RRSP investments, up to age 100. This reinforced my 'why' and yearly actions to take to optimize tax savings. I feel informed and in control."
Reddit User
Verified User
"I signed up a week ago (free trial) and have been putting it through its paces. I find the set up easy. It only takes a few mins to run an Optimization. I am now trying to come up with the best withdrawal plan and I don't want to pay $2000-$4000 to have someone run numbers. Optiml appears to be working continuously on updates and I plan to keep my monthly subscription beyond the free trial."
Brian Morgan
ON
"After exploring several user-focused financial planning tools, I came across Optiml, and it quickly became my tool of choice. I really appreciated how easy it was to build my own financial plan just by entering all the relevant information. The platform also offers connectivity to banks and investment institutions, allowing financial data to be updated whenever I choose, which makes keeping things current very convenient. I found it particularly valuable to run various 'what-if' scenarios, adjust withdrawal strategies, and explore different retirement planning options—giving me a much clearer picture of the long-term implications of my decisions. What really stood out, though, was the great support. The Optiml team is quick to respond, eager to help, and very open to user suggestions. They've shown a genuine willingness to consider feature requests and quality-of-life improvements for future releases, which makes me feel like they're building this platform with their users in mind"
Karen Rockwell
AB
"Loving the independence and education that Optiml is giving my husband and me as we prepare for and reflect on our retirement possibilities. With Optiml's clear and visual dashboards and reports, it's the first time we have felt that we can understand and take ownership of a draw-down strategy. We got this!"
Paul Cabrera
ON
"I am a DIY investor and financial manager for our personal finances. I've worked in the financial sector most of my career; American Express, JP Morgan, Scotiabank, Global Payments & Fiserv. My wife and I are fortunate to retire at 53 years of age achieving FI (financial independence) with a multiple 7 figure portfolio. Savings and accumulation is by far easier then retirement/decumulation. Everything I need in a software program I get with Optiml to help me make the right financial decisions in retirement. SERVICE & RESPONSIVENESS from the team at Optiml is also the main driver for selecting them in a field riddled with financial tools and software providers."
Janet O'Brien
PEI
"Love this software, it totally exceeded my expectations as far as assisting with determining how to fund retirement spending! I would definitely recommend for any Canadians with or without a financial advisor to get peace of mind about your financial plan and well being, either before or after retirement."
Jodie du Plessis
NB
"As recent immigrants to Canada, we discovered this product and it has been an incredible help in getting us started on the right foot. The customer support is outstanding, and the user interface is intuitive and easy to navigate. Highly recommend!"
Derek F.
Toronto, ON
"Optiml makes financial planning feel doable, even in your 30s. It helped me model buying a home, saving for the future, and even early retirement options, all without needing a financial advisor."
Jason & Mira
Winnipeg, MB
"What I love most is how easy it was for my partner and I to plan together. We could both log in, make changes, and run scenarios in real time. It feels like we finally have control over our financial future, together."
Why Choose Optiml
Take Control of Your Financial Future
Planning your future is too important to leave to chance or to someone else entirely. Optiml gives you the tools to understand, build, and optimize your own plan with confidence.
Tax Optimization
Cut lifetime taxes by planning smarter not harder. Optiml finds the ideal way to use RRSPs, TFSAs, and non‑registered accounts so you keep more of what you’ve earned.
Strategic Decumulation Planning
Turn your savings into income with precision. We map the most tax‑efficient withdrawal order to stretch your retirement dollars and avoid costly mistakes.
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Estate Planning
Protect your legacy and minimize taxes on what you leave behind. Optiml helps you plan inheritances, real estate, and investments with clarity and confidence.
Optiml by the Numbers
Trusted by Canadians Nationwide
Real results from real Canadians who have taken control of their financial future
40,000+
Financial Plans
Comprehensive financial plans created and optimized for Canadians across the country
13/13
Provinces & Territories
Serving customers in every province and territory across Canada
3-15%
Tax Savings
Tax savings strategies implemented for our users, saving them thousands of dollars
Ready to Get Started?
Join thousands of users who are already optimizing their financial future with Optiml.
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