When should you take CPP? It depends on your other income.your other income.
Optiml runs every CPP and Old Age Security start age between 60 and 70 against your full plan and shows you the lifetime cheque, the lifetime tax, and the break-even age for each.
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Our network of support · As seen in
- The Globe and Mail
- Financial Post
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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"I love this software. It is so easy to use, and so intuitive. The scenarios and stress testing functions are great to give yourself a sense check. On top of this, the help desk is super responsive and seems to really care about what they do. Highly recommend."
JW
JMW
Google Review
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"I love this software. It is so easy to use, and so intuitive. The scenarios and stress testing functions are great to give yourself a sense check. On top of this, the help desk is super responsive and seems to really care about what they do. Highly recommend."
JW
JMW
Google Review
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"Optiml has been incredibly useful, easy to use, full of insights and time saving (I used to try to do my own models on spreadsheets!). The truth is, I am not sure why everyone is not using this tool for their financial and retirement planning, and I recommend the platform anytime discussions on financial retirement planning come about."
AM
Ale MC
Google Review
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"The real people customer support and technical teams at Optiml are fantastic, actually, second-to none! They respond quickly and accurately to help you work through any issues. EVA is really great also; she provides excellent details and helps with almost everything (and trust me, I ask a lot of questions!); if you're stuck though, or something doesn't make sense, the real people at Optiml are there to back her up within hours, not days."
KM
Karen Marshall
Google Review
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"Best DIY retirement planning software and absolutely incredible support for any questions."
ED
Elias Daskalakis
Google Review
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"I've been using Optiml Pro+ for DIY planning for almost a year now. I found the platform easy to navigate, and when I did have some questions they were very responsive and helpful. It is easy to test and compare various assumptions. They are continuously improving the platform with upgrades such as the cash wedge and scenario management features. Highly recommended."
SH
Stephen Hamada
Google Review
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"Great piece of code / platform. Go blow the doors off the establishment!"
DH
Derek Hulbig
Google Review
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Frequently asked
Common Questions About Optiml.
Build a smarter Canadian retirement plan.
Thousands of Canadians use Optiml to retire better. 150,000+ retirement plans built and counting.
14-day free trial · Cancel anytime in-app
14-day free trial · Cancel anytime in-app