Retirement Tax Planning Software for Canadians. Modelled, Not Guessed.
Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), Registered Retirement Income Funds (RRIFs), Canada Pension Plan (CPP), Old Age Security (OAS), pension splitting, OAS clawback. Optiml models the tax-efficient path across every account, year by year. You keep more of what you saved.
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4.8 / 5 average rating · BBB A+ · 200,000+ retirement plans run · Data stored in Canada
As featured in the Globe and Mail
As featured in the Financial Post
BBB A+ accredited
4.8 / 5 average rating
200,000+ retirement plans run
Not features. Outcomes.
Every tax outcome, modelled before you retire.
See your lifetime tax before you pay it.
Optiml projects total federal and provincial tax across every year of retirement, so you see what your current plan is set up to cost and what an optimized plan may cost instead.
Know your optimal CPP and OAS ages.
The CPP & OAS Optimizer runs every start-age combination from 60 to 70 against your full plan and shows the ages that fit your bracket, longevity, and other income.
Keep more of what you saved.
The Withdrawal Optimizer sequences RRSP, TFSA, RRIF, and non-registered withdrawals to minimize the tax you pay in every year of retirement.
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.
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. Optional direct bank account linking on Pro+.
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. Federal and provincial brackets, RRIF minimums, OAS clawback thresholds, and pension splitting applied year by year.
You drive the plan.
Compare scenarios, test what-ifs, and see the projected tax difference. Save the plan you want and Optiml gives you your action plan, showing exactly how to achieve your goals.
The math
Same household. Two withdrawal orders. Different lifetime tax.
A couple retiring at 65 with savings across RRSP, TFSA, and non-registered accounts. The only change between the two projections is the order accounts are drawn down.
Default order
$1,262,000
Lifetime tax: $438,000
Optimized order
$1,334,000
Lifetime tax: $366,000
More of it stays yours.
Kept after tax
Lifetime tax
Canadians using Optiml have modelled 3 to 15% lifetime tax savings across their retirement horizon.
Projections depend on your inputs, accounts, province, and timeline. Modelled results are not guaranteed.
Real reviews
Canadians doing their own tax math.
"I love this software. It is so easy to use, and so intuitive. The scenarios and stress testing functions are great to give yourself a sense check. On top of this, the help desk is super responsive and seems to really care about what they do. Highly recommend."
JMW
Google Review
"Best DIY retirement planning software and absolutely incredible support for any questions."
Elias Daskalakis
Google Review
"Optiml has been incredibly useful, easy to use, full of insights and time saving (I used to try to do my own models on spreadsheets!). The truth is, I am not sure why everyone is not using this tool for their financial and retirement planning, and I recommend the platform anytime discussions on financial retirement planning come about."
Ale MC
Google Review
"I've been using Optiml Pro+ for DIY planning for almost a year now. I found the platform easy to navigate, and when I did have some questions they were very responsive and helpful. It is easy to test and compare various assumptions. They are continuously improving the platform with upgrades such as the cash wedge and scenario management features. Highly recommended."
Stephen Hamada
Google Review
"The real people customer support and technical teams at Optiml are fantastic, actually, second-to none! They respond quickly and accurately to help you work through any issues. EVA is really great also; she provides excellent details and helps with almost everything (and trust me, I ask a lot of questions!); if you're stuck though, or something doesn't make sense, the real people at Optiml are there to back her up within hours, not days."
Karen Marshall
Google Review
"Great piece of code / platform. Go blow the doors off the establishment!"
Derek Hulbig
Google Review
Frequently asked
Questions tax-aware Canadians ask before choosing Optiml.
See the tax you're set up to pay. Then see how to pay less.
4.8 / 5 average rating. 200,000+ retirement plans run. 14-day free trial on every plan.
Cancel anytime in-app.