Canada's #1 DIY Financial Planning Tool
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Why Choose Optiml
A Retirement Plan You Can Actually Follow
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.
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.
Optiml by the Numbers
Trusted by Canadians Nationwide
Real results from real Canadians who have taken control of their financial future
140,000+
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
Test Different What-If Scenarios
Explore the impact of life's big (and small) decisions on your financial future. Instantly test different scenarios and see how your plan adapts.
Downsizing
See how selling your home and moving to a smaller place could impact your retirement plan.
Family Vacation
Plan for that dream trip and see how it fits into your long-term goals.
After-tax Estate
Find out what your estate could be worth after taxes and fees.
CPP & OAS Timing
See the impact of taking government benefits at different ages.
Retirement Spending
Find out just how much you can spend in retirement without running out.
Investment Growth
Test different investment growth rates and see the long-term impact.
Retirement Age
Test the impact of retiring earlier or later on your plan.
Kids' Education Cost
See how saving for your children's education affects your financial future.
Testimonials from Women Taking Control
See how women across the country are using Optiml to build confidence, achieve financial independence, and secure their future.
Sara M.
New Brunswick, CA
"Definitely easier than what I was doing before."
Michelle D.
Winnipeg, Manitoba
"As someone who was overwhelmed by retirement planning, Optiml has given me clarity and direction. The interface is so intuitive!"
Gail L.
Halifax, Nova Scotia
"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
Jodie du Plessis
NB
"As recent immigrants to Canada, we discovered this product and it has been an incredible help in getting us started on the right foot. The customer support is outstanding, and the user interface is intuitive and easy to navigate. Highly recommend!"
Patricia W.
Victoria, BC
"I just retired this year and was overwhelmed trying to figure out how to draw down my investments. With Optiml, I could finally see everything clearly, from government benefits to taxes. It helped me build a strategy I could understand and stick to."
Janet O'Brien
PEI
"Love this software, it totally exceeded my expectations as far as assisting with determining how to fund retirement spending! I would definitely recommend for any Canadians with or without a financial advisor to get peace of mind about your financial plan and well being, either before or after retirement."
Sara M.
New Brunswick, CA
"Definitely easier than what I was doing before."
Michelle D.
Winnipeg, Manitoba
"As someone who was overwhelmed by retirement planning, Optiml has given me clarity and direction. The interface is so intuitive!"
Gail L.
Halifax, Nova Scotia
"The best thing about Optiml is the confidence and peace of mind it brings as I plan my financial future."
Jodie du Plessis
NB
"As recent immigrants to Canada, we discovered this product and it has been an incredible help in getting us started on the right foot. The customer support is outstanding, and the user interface is intuitive and easy to navigate. Highly recommend!"
Patricia W.
Victoria, BC
"I just retired this year and was overwhelmed trying to figure out how to draw down my investments. With Optiml, I could finally see everything clearly, from government benefits to taxes. It helped me build a strategy I could understand and stick to."
Janet O'Brien
PEI
"Love this software, it totally exceeded my expectations as far as assisting with determining how to fund retirement spending! I would definitely recommend for any Canadians with or without a financial advisor to get peace of mind about your financial plan and well being, either before or after retirement."
Sara M.
Toronto, Ontario
"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."
Reddit User
Verified User
"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."
Louise J.
NS
"I recently retired and had been working with my investor on a 3–5 year plan, but it just wasn't giving me the clarity or confidence I needed. Then I found Optiml, and I was honestly blown away. It showed me exactly what I could spend without worrying about running out of money, total peace of mind. What surprised me most is that I could actually do more than I expected, travel, enjoy life, and still stay on track. It was also really easy to set up, and I love that it lets you run different scenarios to help make smart decisions and minimize taxes. Highly recommend to anyone planning for retirement or already retired. It's a game-changer."
Mira & Jason
Winnipeg, MB
"What I love most is how easy it was for my partner and I to plan together. We could both log in, make changes, and run scenarios in real time. It feels like we finally have control over our financial future, together."
Anita S.
Montreal, QC
"I've tried all the spreadsheets and other tools, nothing compares to the level of detail and automation Optiml gives you. And with EVA, I can ask questions and get plan-specific answers in seconds."
Karen Rockwell
AB
"Loving the independence and education that Optiml is giving my husband and me as we prepare for and reflect on our retirement possibilities. With Optiml's clear and visual dashboards and reports, it's the first time we have felt that we can understand and take ownership of a draw-down strategy. We got this!"
Sara M.
Toronto, Ontario
"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."
Reddit User
Verified User
"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."
Louise J.
NS
"I recently retired and had been working with my investor on a 3–5 year plan, but it just wasn't giving me the clarity or confidence I needed. Then I found Optiml, and I was honestly blown away. It showed me exactly what I could spend without worrying about running out of money, total peace of mind. What surprised me most is that I could actually do more than I expected, travel, enjoy life, and still stay on track. It was also really easy to set up, and I love that it lets you run different scenarios to help make smart decisions and minimize taxes. Highly recommend to anyone planning for retirement or already retired. It's a game-changer."
Mira & Jason
Winnipeg, MB
"What I love most is how easy it was for my partner and I to plan together. We could both log in, make changes, and run scenarios in real time. It feels like we finally have control over our financial future, together."
Anita S.
Montreal, QC
"I've tried all the spreadsheets and other tools, nothing compares to the level of detail and automation Optiml gives you. And with EVA, I can ask questions and get plan-specific answers in seconds."
Karen Rockwell
AB
"Loving the independence and education that Optiml is giving my husband and me as we prepare for and reflect on our retirement possibilities. With Optiml's clear and visual dashboards and reports, it's the first time we have felt that we can understand and take ownership of a draw-down strategy. We got this!"
How It Works
Goal-based planning made simple
Set your goal
Start by creating your profile and choosing what matters most to you.
Your Goals Could Include:
Maximizing your estate
Hitting specific savings targets
Spending confidently in retirement
Create your Optiml™ Plan
Optiml does the heavy lifting. It analyzes your full financial picture and runs advanced simulations.
What We Analyze:
Your complete financial picture
Advanced simulations
Most efficient path to your goals
Put your plan into action
With your personalized blueprint in hand, you'll have the clarity and confidence to manage your finances your way.
You're in Control:
Clear financial roadmap
Confidence in your decisions
Flexibility to adjust goals
What's Included in Your Free Trial
Access to 95% of features to help answer your key financial questions
Powerful Features
Everything you need to plan your future
Optimal Deposit Strategy
Optimized Withdrawal Strategy
CPP & OAS Optimization
Unlimited What-If Scenarios
Full Support
We're here to help you succeed
14-Day Full Access Trial
Book a Demo with Our Team
Email Customer Support
Find Your Perfect Plan
Ready to take control of your financial future?
Frequently Asked Questions
Everything you need to know about Optiml and how it can help you plan for retirement
EmpowerHer Summit 2025 Discount
As an attendee of EmpowerHer Summit 2025, Optiml, in partnership with TGIFF Retirement Services, is offering an exclusive discount.
Why Choose Optiml
Your Financial Journey, Your Way
No matter where you are on your financial journey, Optiml adapts to your unique situation.
🌱
Starting Out
💼
Building Wealth
💰
Saving for Retirement
🏖️
Retiring Well
You don't need to be a financial expert. Optiml makes it simple.
Our Story
Who we are and why we started
Co-founders: Zac Davies, Max Jessome, Alex Ingham
Optiml was born at a family kitchen table.
When Denise, mother of co-founder Max Jessome, and aunt to fellow co-founder Zac Davies, was approaching retirement, she did what most Canadians would do: work with an advisor to build a financial plan. After months of waiting, the result was a static PDF she had no control over. Together with her husband, Donald, they grew frustrated by the lack of clarity and the inability to make changes to the plan. The number one question became: "How do we know this plan is the most tax-efficient for us?"
With no clear answer, Donald refused to settle. He built his own spreadsheet to test scenarios and confirm she could retire. Through this process, he told his son Max and his nephew Zac that there was a gap in the market, a real opportunity to build something better.
Max, Zac, and Max's university roommate Alex, now co-founders of Optiml, set out to turn that vision into reality, taking the original spreadsheet and transforming it into Optiml.
Ready to Get Started?
Join thousands of users who are already optimizing their financial future with Optiml.
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