Take Control of Your Financial Future
Built for Canadians who want to take charge of their own financial planning journey.
Why Choose Optiml?
Powerful tools made for Canadians, by Canadians to help you make informed financial decisions.
A Plan Tailored to You
A financial plan that's tailored to your personal situation and goals. Remove the guesswork and build a strategy that aligns with what matters most to you.
What-if scenarios
Visualize your financial future with clear, interactive projections. Explore different goals, estate plans, retirement ages, and investment growth rates to see how they shape your outcomes.
You're in Control
Stay in control of your financial plan with the flexibility to adjust it as your life changes. Test different scenarios, make updates whenever you need, and eliminate the need to rely on others to make changes for you.
TFSA
Tax-Free Savings
RRSP
Retirement Savings
RRIF
Retirement Income
Pension
Employer Pension
CPP
Canada Pension Plan
OAS
Old Age Security
RESP
Education Savings
LIF
Life Income Fund
QPP
Quebec Pension Plan
Deposit
Withdrawal
Tax Optimization Made Simple
Based on your plans, goals, and financial objectives, the algorithm will then identify:
Optimal Deposit Strategy
Maximize savings across TFSA, FHSA, RRSP, and non-registered accounts
Optimal Withdrawal Strategy
Smart decumulation planning to minimize taxes
CPP/QPP and OAS Timing
Optimize your government benefits start age, or set your own start age!
RRIF Income Splitting
Optimize RRIF and pension income splitting
Empowering You to Take Control
Whether you're the type to update a spreadsheet daily or just starting your financial planning journey, Optiml empowers you to plan with confidence. Our User-friendly platform allows you to build and customize your financial strategy, stress-test different "What-if" scenarios, or simply confirm you're on the right track.
Learn More
Peace of Mind for Your Financial Future
With Optiml, you can stop second-guessing your financial decisions. Our platform ensures your plan is optimized to fit your unique goals, lifestyle, and future. Whether you're planning for retirement, leaving behind a meaningful legacy, or making the most of your hard-earned savings, Optiml keeps you on track and gives you the confidence to feel secure every step of the way.
Learn MoreTestimonials
What Our Users Say
Find out how Optiml is helping Canadians take control of their retirement planning
I've been paying accountants, bankers, insurance brokers etc and can never get any concrete recommendations from any of them. When I read about the company in AllAtlantic I thought finally, someone is as frustrated as me!
Mark C.
Saint John, New Brunswick
If your financial advisor won't help you determine which of your accounts to use to fund your retirement spending (or even how much you can afford to spend), you can figure it out yourself with the help of Optiml. I have been searching for this software since I retired and am thrilled that I finally found it!
Janet O.
Niagara on the Lake, Ontario
I am a landlord of 33 years. I wonder 'is the landlord's journey worth it' and how will it create financial security. 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. Optiml provided free assistance. 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. The action plan is downloaded onto my PC for perpetuity. Optiml is an exceptional product for landlords or any Canadian planning a life and paying CRA tax. The software is a business expense. I feel informed and in control.
Ronda L
Edmonton, Alberta
Our Network of Support
Ready to build your own plan that works for you?
Start Your Free Trial Today
© 2025 Optiml. All rights reserved.