Model any decision before you make it.
No more guessing. See the exact downstream effect of every change across your full plan.
Your full plan recalculates in seconds.
Every scenario flows through taxes, withdrawals, CPP timing, and estate value simultaneously.
How it works
4 steps, start to finish
Start with your base plan
Your full financial picture, accounts, income, retirement goals, government benefits, is already built into your plan. That becomes your baseline.
Change any variable
Adjust retirement age, spending targets, home decisions, investment growth rates, or life expectancy. Any input can be tested in isolation or in combination.
See the full impact instantly
Optiml recalculates your entire plan every time a variable changes. You see how the decision affects your annual income, estate value, tax burden, and success score simultaneously.
Save scenarios you want to revisit
Found a what-if combination worth exploring further? Save it as a plan and compare it side by side with other scenarios to make a confident, informed decision.
One change. The whole plan responds.
An example couple, both 58, with $1.2M saved, and what retiring earlier or later does to their income and savings.
What if we retire at 62?
Couple, both 58 · $1.2M saved
Income after tax
$7,850/mo
Saved at retirement
$1.50M
Good to know
Change anything. See everything.
It does not matter which subscription plan you are on, you can run unlimited financial plans and change your inputs to instantly see the impact. A what-if scenario really just means changing your inputs, running a new plan, and seeing the results. What if you paid down the mortgage early? What if you did not? What you think is a small change can and does have a ripple effect into future years of your plan.
What is Unlimited What-If Scenarios?
Unlimited What-If Scenarios lets you model any financial decision and see the real impact in seconds. Retirement age, spending levels, home sales, investment returns, life expectancy, every variable is live. Change one input and your full plan recalculates instantly, so you always know what a decision actually costs or gains you before you commit.
Every change has a ripple effect
What looks like a small adjustment today can shift your tax brackets, account balances, and estate value across decades of your plan. Optiml runs every year of your financial future every time you make a change, so nothing is hidden.
Your previously optimized plan may no longer be optimal
You may have built a plan and found the best ages to take CPP and OAS. But those ages were optimized around the inputs you used at the time. Change one variable, such as your retirement age or desired after-tax income, and those previously optimal CPP and OAS ages may no longer be the right call. Optiml gives you the power to retest and see how everything shifts.
Real examples of what-if scenarios
What if you paid off the mortgage two years early? What if you increased your desired retirement income by $10,000 per year? What if you sold the cottage at 70 instead of 65? What if you retired at 55 instead of 58? Each of these is a what-if scenario, and Optiml shows you exactly what each one means for every year of your financial plan.
Unlimited plans, no extra cost
There is no limit to how many times you can run a plan or how many scenarios you can explore. Build a conservative version and an optimistic one. Test five different retirement ages. Save the ones you want to revisit and compare them side by side.
More ways Optiml helps
Withdrawal Optimizer
Your withdrawal strategy is built by Optiml, not guessed by you.
CPP & OAS Optimizer
Generic advice ignores your situation. Find the start age that is actually optimal for you.
Estate Projector
See your after-tax estate, your pre-tax estate, and exactly what estate taxes will cost your family.
Ready to see what your decisions really cost?
Take control of your financial future.
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