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Our network of support · As seen in
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What Canadians near retirement are asking
What Optiml Solves For You.
How much can I actually spend in retirement?
Optiml calculates your sustainable spending from your exact accounts and income sources. No generic 4% rule. Just your number, modeled across CPP/OAS timing, real estate equity, investment accounts, and business income.
Am I paying more taxes than I need to?
Most Canadians leave meaningful tax savings on the table. Optiml models withdrawal sequencing, CPP/OAS timing, pension income splitting, and CCPC strategy options so you can see where you are overpaying and what to change.
When should I take CPP and OAS?
Starting CPP at 60 versus 70 can swing your lifetime benefit by hundreds of thousands of dollars, and OAS clawback thresholds shift the best timing further. Optiml runs every scenario and shows the tax-optimal start window for your plan.
How does Optiml handle real estate, my corporation, and every registered account at once?
Optiml models RRSPs, TFSAs, FHSAs, LIRAs, RESPs, pensions, non-registered accounts, real estate, and CCPC income in one plan. It surfaces the withdrawal order and strategy combinations that improve after-tax outcomes across your whole balance sheet.
Will I run out of money?
Optiml's Success Score runs hundreds of market scenarios against your actual plan and shows your retirement resilience as a single number out of 100. Stress-test for lower returns, a longer lifespan, or major life events, then see exactly which moves raise the score.
Can I actually retire when I want to?
Optiml shows your retirement readiness at each target age. Compare retirement dates side-by-side, see trade-offs instantly, and know when you have enough based on your plan, not guesswork.
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How Optiml works
Every part of your plan, working together.
Optiml is the DIY financial planning software that puts you in control of every decision. Whether you're a spreadsheet pro or just getting into financial planning, Optiml runs the math, builds the strategy, and shows you what to do next. From your first retirement paycheque to your last RRIF withdrawal. Year by year. Decision by decision.
Real Stories from Real Canadians
Thousands of Canadians are already using Optiml to take control of their retirement. Here is what they have to say.
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"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
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Gail L.
Halifax, Nova Scotia
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"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
GL
Gail L.
Halifax, Nova Scotia
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"I recently retired and had been working with my investor on a plan, but it just wasn't giving me the clarity I needed. Then I found Optiml, and I was honestly blown away. It showed me exactly what I could spend without worrying about running out of money. Total peace of mind."
LJ
Louise J.
Nova Scotia
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"I've been paying accountants, bankers, and insurance brokers for years and can never get concrete recommendations from any of them. When I read about Optiml, I thought, finally, someone is as frustrated as me!"
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Mark C.
Saint John, New Brunswick
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"Loving the independence and education that Optiml is giving my husband and me as we prepare for retirement. With Optiml's clear visual dashboards, it's the first time we have felt we can understand and take ownership of a draw-down strategy. We got this!"
KR
Karen Rockwell
Alberta
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"Love this software, it totally exceeded my expectations in helping determine how to fund retirement spending. I would definitely recommend it for any Canadians, with or without a financial advisor, to get peace of mind about their financial plan."
JO
Janet O'Brien
Prince Edward Island
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"Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!"
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Robert P.
Edmonton, Alberta
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Frequently asked
Common Questions About Optiml.
Build a smarter Canadian retirement plan.
Trusted by thousands of Canadians. 125,000+ retirement plans built.
14-day free trial · Cancel anytime in-app
14-day free trial · Cancel anytime in-app