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
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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 |
Accessible does not mean dumbed-down
Three goals. One plan. Your choice.
Most Canadian retirement tools pick an optimization goal for you, or skip the question entirely. Optiml lets you choose what your retirement should be optimized for, and simulates each path across your full financial picture so you can compare before you commit.
Optimize for after-tax estate.
Maximize what you leave behind. Optiml models every account, every drawdown sequence, and every tax event across your full retirement horizon to grow the after-tax value your heirs actually receive.
After-Tax Estate Projection
Tax OptimizedProjected After-Tax Estate
$2,220,000
+$340K vs. unoptimized plan
To Family
$2,220,000
Estate Tax
$384,000
Age 70
$1.6M
Age 75
$2.0M
Age 80
$2.4M
Age 85
$2.8M
Optimize for lifetime taxes.
Minimize the total tax you pay from today through the end of your retirement. Optiml runs hundreds of thousands of simulations to find the year-by-year withdrawal order that keeps the CRA on the lowest possible share of your lifetime income.
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
Optimize for maximum annual income.
Find the highest sustainable after-tax annual income your plan can support. Optiml models it across every account, every CPP and OAS start age, and every stress-test scenario so you know what your plan can actually deliver.
Stress Test Results
87
/100
43 of 50 scenarios passed
Strong PlanWhat being end-user-first actually means
Every Canadian. Every account. Every decision in your hands.
The features below are not a checklist. They are the set of deliberate design choices that come from treating the Canadian using the tool as the most important user in the room.
Built for every Canadian
DIY retirees, people learning finances for the first time, and financial advisors running plans for clients all use the same interface. Accessible to all, powerful for all.
Goal-based optimization
Pick what matters to you. Optiml simulates after-tax estate, lifetime taxes, and max annual income so you can compare each path before committing.
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.
Success Score out of 100
A single number that tells you how resilient your retirement plan is under 50 market scenarios drawn from 50,000+ generated return paths.
Every Canadian account in one plan
RRSP, TFSA, FHSA, LIRA, RESP, RDSP, pensions, real estate, non-registered, corporate. Optiml models them all together, year by year.
Legacy plan for incorporated Canadians
CCPC, holding company, and trust integration. Compare owner-compensation, salary-vs-dividends, and estate-transfer strategies.
Two philosophies, side by side
Tools built for the advisor. Tools built for you.
Advisor-first tools are designed around
PROFESSIONAL WORKFLOW
- Interfaces optimized for certified planners, not the Canadians whose plans are being run
- Industry terminology assumed, not explained
- Scenarios and updates that typically happen in a scheduled meeting
- Client access often limited to a static report after the fact
- Expertise positioned as a gate between the Canadian and their own plan
Optiml is designed around
YOU, THE USER
- A single interface that every Canadian can navigate, from first-time learners to financial advisors
- Plain-English explanations of every strategy and every trade-off
- Unlimited scenarios on your own schedule, not a billable hour
- Direct control over the plan, not a PDF handed to you
- Empowerment: understand the math, see the trade-offs, own the decision
What Canadians say about Optiml
Thousands of Canadians chose to run their own plan.
“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
“As someone who was overwhelmed by retirement planning, Optiml has given me clarity and direction. The interface is so intuitive!”
Michelle D., Winnipeg MB
“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 comparing tools
Questions shoppers ask before picking Optiml.
14-day free trial. Cancel anytime in-app.
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
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.