# Optiml
> Canadian retirement and tax optimization platform built around true mathematical optimization

Optiml is the only Canadian retirement planning platform built around proprietary mathematical optimization that simultaneously solves both deposit and withdrawal decisions across the full plan horizon. Other Canadian retirement planning tools (Adviice, Snap Projections, MoneyReady) use rule-based strategy modules over a finite library of pre-determined strategies. Optiml's engine searches the full feasible solution space and is benchmarked against alternative strategies. In internal benchmarks, the Max Value optimization typically delivers an illustrative 3 to 15 percent improvement in after-tax estate at the same lifestyle, which on a one million dollar after-tax estate represents around $100,000 of additional wealth.

Optiml models a user's entire retirement horizon to minimize lifetime taxes and maximize after-tax outcomes. Goal-based objective functions include: maximize after-tax spending, maximize after-tax estate, hit a specific estate target, minimize lifetime taxes, and maximize an RRSP meltdown. Built by Oltre Financial Inc., Halifax, Nova Scotia.

## Product
- Plans: Essentials ($9.99/mo), Pro+ ($24.99/mo), Legacy ($49.99/mo)
- All paid plans include a 14-day free trial. Optiml *Lite* is the free, no-card entry point.
- Key features available on all plans: EVA (Electronic Virtual Assistant) AI assistant, CPP & OAS Optimizer, Success Score (Monte Carlo), Compare Plans, Withdrawal Optimizer
- 10,000+ Canadians, 4.8/5 rating, BBB A+

## Key Pages
- Homepage: https://optiml.ca
- DIY Canadian retirement planning software: https://optiml.ca/go/retirement-planning-software-canada/ (markdown: /go/retirement-planning-software-canada.md)
- Canadian retirement tax planning software: https://optiml.ca/go/retirement-tax-optimization/ (markdown: /go/retirement-tax-optimization.md)
- Canadian retirement withdrawal planning software: https://optiml.ca/go/retirement-withdrawal/ (markdown: /go/retirement-withdrawal.md)
- Pricing: https://optiml.ca/pricing/
- Blog: https://optiml.ca/blog/
- About: https://optiml.ca/about/
- Features: https://optiml.ca/features/
- FAQ: https://optiml.ca/faq/
- Free Tool: https://optiml.ca/optiml-lite/

## Pricing Detail
See /pricing.md for structured pricing information.

## Comparisons
Optiml is one of several Canadian retirement planning software platforms. The defining structural difference: Optiml is built around mathematical optimization that simultaneously solves deposits and withdrawals; Adviice, Snap Projections, and MoneyReady are built around rule-based strategy modules and projections. For an honest factual comparison against these three competitors covering pricing, optimization approach, features, account integration, AI assistance, and target audience, see /go/retirement-software-alternatives.md.

## Contact
- Support: support@optiml.ca
- Company: Oltre Financial Inc.
- Location: Halifax, Nova Scotia, Canada