Your Retirement, Optimized for Canadians.
Optiml models RRSP, TFSA, FHSA, CPP, OAS, pensions, and real estate in a single plan — so you keep more of what you have built.
4.8 / 5 · BBB A+ · 140,000+ retirement plans run
14-day free trial · Plans from $9.99/mo
✓
Retirement age confirmed
✓
RRSP meltdown optimized
✓
CPP & OAS timing set
✓
Lifetime tax minimized
4.8 / 5 rating
BBB A+
140,000+ plans run
Canadian data storage
PIPEDA compliant
Why Optiml
Built for every Canadian account. Every Canadian rule.
Most planning tools are built for Americans and treat your accounts as generic buckets. Optiml is 100% Canadian, accurate on every CRA rule that matters for your retirement.
Minimize lifetime taxes
We model every year of your retirement to find the order of withdrawals that keeps more in your pocket.
Stress-test your plan
Your Success Score runs 50 market scenarios against 50,000+ generated return paths so you know how resilient your plan is.
Canadian to the core
RRSP, TFSA, FHSA, LIRA, RESP, RDSP, CPP, OAS, pensions, real estate, corporate accounts. Every tool. Every rule. One plan.
Plan in minutes, not months
Skip the $3,000 financial plan. Optiml runs in minutes and updates whenever your situation changes.
Compare every strategy
Side-by-side what-if scenarios. CPP at 65 vs 70, RRSP meltdown vs standard drawdown, retire at 60 vs 65.
Your data stays in Canada
PIPEDA-compliant storage on Canadian servers. Bank-grade encryption. You own your plan.
See your plan in under 15 minutes.
14-day free trial. Plans from $9.99 / month. Cancel anytime.
14-day free trial · Plans from $9.99/mo
14-day free trial · Plans from $9.99/mo