Canada's #1 Financial Planning Tool
Turn Complex Retirement Choices Into Clear, Optimized Plans
Easily test CPP & OAS start ages and see the lifetime tax impact instantly
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Why Choose Optiml
Powerful Features Built for Canadians looking to Retire Better
Everything you need to optimize your financial future in one comprehensive platform
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Why Choose Optiml
Take Control of Your Financial Future
Planning your future is too important to leave to chance or to someone else entirely. Optiml gives you the tools to understand, build, and optimize your own plan with confidence.
Tax Optimization
Cut lifetime taxes by planning smarter not harder. Optiml finds the ideal way to use RRSPs, TFSAs, and non‑registered accounts so you keep more of what you’ve earned.
Strategic Decumulation Planning
Turn your savings into income with precision. We map the most tax‑efficient withdrawal order to stretch your retirement dollars and avoid costly mistakes.
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Estate Planning
Protect your legacy and minimize taxes on what you leave behind. Optiml helps you plan inheritances, real estate, and investments with clarity and confidence.
Join Thousands of Canadians Taking Charge
See how real Canadians are using Optiml to make smarter financial decisions
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"I've been paying accountants, bankers, insurance brokers etc and can never get any concrete recommendations from any of them. When I read about Optiml, I thought finally, someone is as frustrated as me!"
Mark C.
Saint John, New Brunswick
"
"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, Alberta
"
"I've been using Optiml for a couple of days now and it's amazing. Simple interface, easy to use and includes all the accounts a Canadian would want to plan for."
Reddit User
Verified User
"
"I am a landlord of 33 years. With Optiml I was finally able to enter all the data to run numerous scenarios with my rental income, expenses, multiple doors, future sales, UCC and mortgages. The evaluation shows my CPP, OAS, GIS, capital gains, TFSA, RRSP investments, up to age 100. This reinforced my 'why' and yearly actions to take to optimize tax savings. I feel informed and in control."
Ronda L.
Edmonton, Alberta
"
"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
Gail L.
Halifax, Nova Scotia
"
"I signed up a week ago (free trial) and have been putting it through its paces. I find the set up easy. It only takes a few mins to run an Optimization. I am now trying to come up with the best withdrawal plan and I don't want to pay $2000-$4000 to have someone run numbers. Optiml appears to be working continuously on updates and I plan to keep my monthly subscription beyond the free trial."
Reddit User
Verified User
"
"I've been paying accountants, bankers, insurance brokers etc and can never get any concrete recommendations from any of them. When I read about Optiml, I thought finally, someone is as frustrated as me!"
Mark C.
Saint John, New Brunswick
"
"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, Alberta
"
"I've been using Optiml for a couple of days now and it's amazing. Simple interface, easy to use and includes all the accounts a Canadian would want to plan for."
Reddit User
Verified User
"
"I am a landlord of 33 years. With Optiml I was finally able to enter all the data to run numerous scenarios with my rental income, expenses, multiple doors, future sales, UCC and mortgages. The evaluation shows my CPP, OAS, GIS, capital gains, TFSA, RRSP investments, up to age 100. This reinforced my 'why' and yearly actions to take to optimize tax savings. I feel informed and in control."
Ronda L.
Edmonton, Alberta
"
"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
Gail L.
Halifax, Nova Scotia
"
"I signed up a week ago (free trial) and have been putting it through its paces. I find the set up easy. It only takes a few mins to run an Optimization. I am now trying to come up with the best withdrawal plan and I don't want to pay $2000-$4000 to have someone run numbers. Optiml appears to be working continuously on updates and I plan to keep my monthly subscription beyond the free trial."
Reddit User
Verified User
Optiml by the Numbers
Trusted by Canadians Nationwide
Real results from real Canadians who have taken control of their financial future
37,000+
Financial Plans
Comprehensive financial plans created and optimized for Canadians across the country
13/13
Provinces & Territories
Serving customers in every province and territory across Canada
3-15%
Tax Savings
Tax savings strategies implemented for our users, saving them thousands of dollars
Ready to Get Started?
Join thousands of users who are already optimizing their financial future with Optiml.
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