The Retirement Planning Software Built for Canada.
Optiml is the Canadian retirement planning software that models every RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pension, CPP and OAS rule in one plan so you can maximize tax efficiency.
125,000+ retirement plans run · 4.8 / 5 · PIPEDA compliant · Canadian data storage
14-day free trial. Cancel anytime in-app.
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Every Canadian account modelled
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CPP and OAS timing optimized
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OAS clawback avoided
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Lifetime tax minimized
As seen in: Globe and Mail · Financial Post · Invest Nova Scotia · fintech.ca · Moolala Podcast
125,000+ plans run
4.8 / 5 rating
BBB A+
PIPEDA compliant
How Canadian retirement planning works in Optiml
Your full Canadian retirement plan in three steps.
You do not need a financial professional, a spreadsheet, or a week of research. Optiml gets you to an optimized plan in an afternoon.
Add your Canadian accounts.
Link your investments through Wealthica or enter them yourself. RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pensions, real estate, non-registered, corporate. Add them once and Optiml keeps them in sync across every scenario.
Connected Accounts
RBC RRSP
$287,430
TD TFSA
$124,890
Questrade Non-Reg
$98,200
Choose what to optimize for.
After-tax estate, lifetime taxes, or maximum annual income. Optiml runs hundreds of thousands of simulations across every Canadian account and every CRA rule and shows you each path side by side.
Retire at 54
vs
Retire at 55
Estate Value
$1.2M
$1.4M
Monthly Income
$8,200
$8,900
Tax Savings
$28K/yr
$31K/yr
See your optimized plan, year by year.
Which account to draw from, when to turn on CPP and Old Age Security, how your plan holds up across market scenarios, and how much lifetime tax you are projected to pay. Re-run any time your situation changes.
Decumulation Strategy
Tax OptimizedAccount balances over time
RRSP Meltdown
Non-Reg
TFSA
RRSP
Non-Reg
TFSA
Age 65
$42,000
$18,000
Untouched
Age 70
$35,000
$12,000
Untouched
Age 78
$8,000
$5,000
$24,000
What Canadian retirement planning software should do
Test every what-if. Optimize every tax. Build a plan around your goals.
Every Optiml plan models your full Canadian retirement picture, year by year, and re-optimizes every time your situation changes.
Built for Canada
Every CRA rule, every provincial tax bracket, every federal benefit programme. Optiml is retirement planning software designed for Canadians from day one, not ported from a US app.
Every Canadian account
RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pensions, real estate, non-registered, and corporate accounts. One plan, one interface, every account modelled together.
Goal-based optimization
Pick after-tax estate, lifetime taxes, or maximum annual income. Optiml simulates each path so you can compare outcomes side by side before choosing.
OAS clawback protection
Optiml keeps your modelled income under the Old Age Security recovery threshold so you do not quietly hand your benefits back to the CRA.
Success Score out of 100
A single resilience score based on 50 market scenarios drawn from 50,000+ generated return paths. You know how your plan holds up before markets move.
Compare scenarios side by side
Retire at 60 vs 65. Take CPP at 65 vs 70. Downsize vs stay put. Optiml runs each scenario in full so you can choose with the numbers in front of you.
RRSP meltdown strategy
Optiml models a year-by-year RRSP drawdown to move the money out of your registered accounts at the lowest possible marginal rate, protecting your estate from a final-year tax cliff.
Pension income splitting
For Canadian couples, Optiml models pension income splitting across both partners to minimize combined household tax and keep both partners under the OAS clawback threshold.
Eva, your in-app AI assistant
Ask scenario questions in plain English and get Canadian-specific answers grounded in your own plan. Powered by Google Gemini, available on all plans.
14-day free trial. Cancel anytime in-app.
Two ways to plan a Canadian retirement
Planning on a spreadsheet. Or planning with software built for Canada.
Spreadsheet planning
ROLL YOUR OWN
- Every CRA rule, bracket, and benefit has to be entered and maintained by you
- CPP and OAS start ages typically picked by rule of thumb, not modelled
- One pass, one set of assumptions, no re-optimization when the market moves
- Pension income splitting and OAS clawback are easy to miss or mis-model
- Hours of your time every time a rule changes
Optiml
BUILT FOR CANADA
- Every CRA rule, provincial bracket, and federal benefit is built in and maintained
- CPP and OAS start ages modelled at every option from 60 to 70
- Hundreds of thousands of simulations under the hood, re-optimized on every change
- Pension income splitting, OAS clawback, RRSP meltdown, TFSA sequencing, all modelled together
- Minutes to update, not hours
Not all retirement planning software is Canadian
Software built for Canada vs everything else.
How Optiml compares to the alternatives most Canadians consider when shopping for retirement planning software.
| Feature | Optiml | US-built apps | Spreadsheet planning | Generic planners |
|---|---|---|---|---|
| Models RRSP, TFSA, FHSA, LIRA, RESP, RDSP, real estate, non-registered, corporate accounts, inheritance, and more in one plan | Manual | Varies | ||
| CPP and OAS start-age optimization, RRSP meltdown strategy, and many more tax optimization strategies | Varies | |||
| OAS clawback modelling | Varies | |||
| Provincial tax brackets built in | Manual | Varies | ||
| Pension income splitting modelled | Manual | Varies | ||
| Corporate planning for CCPC and HoldCo | Legacy plan, full tax integration | Out of scope | Rare | |
| Success Score (resilience across 50 market scenarios) | Varies | Rare | ||
| In-app AI assistant grounded in your plan | Eva, Google Gemini, on all plans | Varies | Rare | |
| Canadian data storage, PIPEDA compliant | You manage it | Varies | ||
| Unlimited scenarios, re-run any time | Varies | Manual | Varies | |
| Price | Varies, most popular is $249 / year (Pro+) | Varies | Your time | Varies |
What Canadians say about Optiml
Chosen by Canadians comparing retirement planning software.
“What I found really appealing about Optiml was that it's user friendly and has all the information and features I am looking for in an online solution.”
Sara M., Toronto ON
“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!”
Karen R., Alberta
“Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!”
Robert P., Edmonton AB
Frequently asked by Canadians choosing software
Questions shoppers ask before picking Optiml.
What Optiml Actually Gives You
Not features. Outcomes.
Behind every tool is a feeling. Confidence. Clarity. Control. Here is what Optiml is really built to give you.
Yes, you can retire.
Stop wondering if you have enough. Optiml runs your complete financial picture and gives you a clear, honest answer backed by math, not guesswork.
You won't outlive your money.
Your plan is stress tested across market downturns, rising inflation, and varying returns. Know that your income holds up no matter what the market does.
More for your family, less for the CRA.
Optiml models the most tax efficient way to pass on your estate. Avoid unnecessary tax liabilities so your beneficiaries keep what you worked hard to build.
Your plan, on your terms.
Update your financial plan from home. No calls, no emails, no waiting. Make a change and see the impact in seconds. You are in control, always.
Know exactly what to draw, and when.
Get a year by year withdrawal roadmap showing which account, how much, and in what order. No spreadsheets. No guessing. Just a clear path through retirement.
See your tax picture, start to finish.
Watch how your tax liability evolves through every stage of retirement. Identify the windows where smart moves make the biggest difference.
Built in Canada
“We built Optiml to empower Canadians to build their own financial plans and gain the confidence to make informed decisions about their financial future.”
Zac Davies
Co-Founder & CEO, Optiml
Headquartered in Halifax, Nova Scotia
Start Your Canadian Retirement Plan in Under 15 Minutes.
14-day free trial on every Optiml tier. Plans from $9.99 / month. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.