Retirement Planning Built End-User First.
Most Canadian retirement tools are built for financial advisors, with the person whose retirement is actually being planned as a second thought. Optiml is the opposite. Every feature is designed so you can understand the plan, explore the trade-offs, and take control yourself.
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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Optimize for lifetime taxes
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Optimize for after-tax estate
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Optimize for max annual income
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Built for every Canadian
Two design philosophies, compared
Built for the advisor. Or built for you.
A side-by-side of how most Canadian retirement planning tools are built versus how Optiml is built. The feature depth is comparable across most tools. The design priority is what sets them apart.
| Feature | Optiml | Other Canadian retirement tools |
|---|---|---|
| Primary user the tool is designed for | The Canadian whose retirement is being modelled | Typically the financial advisor running plans for clients |
| Interface built for everyday Canadians | Plain English, guided, no professional training needed | Often assumes financial professional context |
| Every trade-off explained in plain language | Often reads like a professional financial report | |
| You own the tool, not just a PDF report | Direct access to run scenarios any time | Some tools only deliver static reports to the client |
| Unlimited scenario runs and re-optimization | As many as you want, any time | Varies by tier and by tool |
| In-app conversational AI assistant | Eva, powered by Google Gemini (all plans) | Rare |
| Goal-based multi-objective optimization | Pick after-tax estate, lifetime taxes, or max annual income | Not typically advertised |
| Used by DIY Canadians AND financial advisors | Same interface for every user | Usually one audience or the other |
| Every Canadian account modelled together | RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pensions, real estate, non-registered, corporate | Varies |
| Corporate planning for CCPC, HoldCo, Trust | Legacy plan, full tax integration | Rarely advertised |
| Canadian press coverage | Globe and Mail, Financial Post | Varies |
| Data stays in Canada, PIPEDA compliant | Varies | |
| Price | Varies, most popular is $249 / year (Pro+) | Varies |
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
Run Your Own Retirement Plan. Start Free.
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.