Optiml feature
EVA, Your AI Assistant
Never make a financial decision alone again. EVA knows your plan and gives you straight answers.
Ask. Update. Test. Compare.
Four things EVA does with your plan, in plain English.
Ask about your plan
Every plan
Why your plan draws from one account before another, how your taxes are worked out in any year, when CPP and OAS start and why. EVA answers from your own numbers.
Update it in plain English
Pro+ and Legacy
Tell EVA what changed: a new retirement date, a raise, a bigger budget. It shows you exactly what it would change, and saves nothing until you confirm.
Test a what-if
Pro+ and Legacy
Ask what happens if you retire earlier, take CPP later, spend more or the market drops 20%. EVA runs it beside your plan, and your current plan stays as it is unless you choose to switch.
Compare your saved plans
Pro+ and Legacy
Put two to five saved plans side by side and ask what's actually different: spending, taxes, what's left for your family.
Questions people ask EVA
Every answer comes from your own plan: your accounts, your income, your taxes and the strategy you chose.
Retiring and spending
- Can I afford to retire two years earlier?
- How much can I spend each month in retirement?
- What is my net worth in the year I retire?
Taxes
- How are my taxes calculated in 2033?
- Why is my tax bill higher in the year I turn 72?
- What's my marginal tax rate in 2031?
CPP and OAS
- When does my plan start CPP and OAS, and why?
- What happens if I take CPP at 70 instead?
- Is any of my OAS clawed back?
Withdrawals and accounts
- Why are my RRSP withdrawals so high in 2032?
- Which account pays for my spending each year?
- When does my RRSP become a RRIF?
Estate
- How did my after-tax estate get so large?
- How are my estate taxes calculated?
- What would my family receive under each plan?
Debts and cash flow
- When is my mortgage paid off?
- Do I have a shortfall in any year?
- Walk me through my cash flow next year.
Business owners (Legacy)
- How much is in my holdco's capital dividend account?
- When does my plan pay dividends from my holdco?
- What is my holdco worth when I retire?
Changes and comparisons
- Increase my spending by $500 a month from next year.
- What if the market drops 20% next year?
- What's the difference between my two saved plans?
Your plan and Optiml
- Which strategy did my plan run?
- What growth rate did I enter for my TFSA?
- Where do I change my retirement age?
How EVA works
It reads your plan
EVA works from your inputs and your plan's results, year by year: your accounts, income, spending, taxes and the strategy you chose. No rules of thumb, no guessing.
You stay in control
EVA shows every change before it's made and saves nothing until you confirm. What-ifs run beside your plan, never over it. EVA never acts, or starts a conversation, on its own.
Built for Canadian rules
RRSPs, RRIFs, TFSAs, CPP, OAS, pension splitting and provincial tax are part of every answer, because they're part of your plan. In English or French.
EVA and a general AI chatbot
General chatbots are good at explaining ideas. EVA works inside your plan.
EVA in Optiml
General AI chatbot
Knows your numbers
EVA: Reads your actual plan, year by year
General chatbot: Knows only what you tell it
Answers with your results
EVA: Quotes your plan's own figures for any year
General chatbot: Gives general estimates and rules of thumb
Tests a change
EVA: Reruns your whole plan with the change
General chatbot: Has no plan of yours to rerun
Saves changes
EVA: Updates your plan when you confirm
General chatbot: Has no plan to update
Canadian rules
EVA: Built on Canadian tax, CPP, OAS and accounts
General chatbot: Depends on what you tell it
EVA is on every plan
Every member can ask EVA about their plan. Pro+ and Legacy add the ways EVA works on it with you.
Essentials
Pro+
Legacy
Ask about your plan
Update your plan in plain English
Test what-ifs
Compare saved plans
Analyze buttons on your results pages
Update trusts and holdcos
Questions about EVA
What people want to know before they use an AI assistant with their retirement plan.
What is EVA?
EVA is the AI assistant inside Optiml, Canadian retirement planning software. It answers questions about your own retirement plan in plain English, and on Pro+ and Legacy it can update your plan with you, test what-ifs and compare saved plans.
How is EVA different from ChatGPT or other AI chatbots?
A general chatbot only knows what you tell it. EVA works from your actual Optiml plan: your accounts, income, spending, taxes and results for every year. When you test a change, Optiml reruns your whole plan, so the answer is your plan's answer, not an estimate. We asked ChatGPT to plan a Canadian retirement
Can EVA change my retirement plan?
Only with your say-so. EVA shows you the change it would make, and nothing is saved until you confirm. What-ifs run beside your plan and leave it untouched unless you choose to switch to the new one.
Which Optiml plans include EVA?
Every plan. On Essentials you can ask EVA about your plan. Pro+ and Legacy add updating your plan, what-ifs and comparing saved plans, and Legacy adds changes to trusts and holding companies. Compare plans
What can I ask EVA?
Anything about your plan: when you can retire, how much you can spend, how your taxes are worked out in a given year, when CPP and OAS start and why, which account pays for each year, and what's left for your family. You can also ask how Optiml works.
Can EVA help me decide when to take CPP and OAS?
Yes. EVA can explain when your plan starts CPP and OAS and why, show what CPP would pay at different start ages, and on Pro+ and Legacy test a different CPP start age as a what-if. To test every CPP and OAS combination at once, use the CPP & OAS Optimizer. CPP & OAS Optimizer
Does EVA give financial advice?
No. EVA is part of Optiml, which is retirement planning software, not a financial advisor. EVA explains your plan and works on it with you; Optiml doesn't manage your money or sell financial products.
Can EVA test what a market drop would do to my plan?
Yes, on Pro+ and Legacy. Ask what happens if the market falls 10%, 20% or 35%, or 10% a year for three years, and EVA runs it beside your plan so you can see how your retirement holds up.
Can I change just one year of my plan with EVA?
Yes. Tell EVA something like "spend $80,000 in 2030 only" or "take 2027 off work", and it proposes a change to that one year of your schedule for you to confirm.
Does EVA work in French?
Yes. EVA replies in the language you write in, English or French.
More about EVA
Ready to truly understand your financial plan?
Take control of your financial future.
Features
EVA - AI AssistantCPP & OAS OptimizerWithdrawal OptimizerSuccess Score Monte CarloCompare PlansWealthica IntegrationEstate ProjectorBusiness OwnersCross-Border Canadians© 2026 Optiml. All rights reserved.