Canada's #1 DIY Financial Planning Tool
Empowering Canadians to take control of their financial future
Join thousands of Canadians who are taking charge of their financial independence.
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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
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Building Wealth
💰
Saving for Retirement
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Retiring Well
You don't need to be a financial expert. Optiml makes it simple.
Testimonials
Real stories from people optimizing their financial future
Mark C.
Saint John, New Brunswick
"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!"
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."
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."
Donald J.
NS
"Thanks to the confidence we gained after running our financial plan through Optiml, my wife was able to retire comfortably. The interface is intuitive, and the insights are exceptional."
James Albo
QC
"I have been using Optiml for 2 months. It is an incredible piece of software and I wanted provide feedback. For DIY investors like myself, I nolonger need to rely on my spreadsheet. I can now do more than I ever could using this software. They seem to push out new updates on a weekly basis and their customer support is very fast and friendly. It is also a Canadian company which is why I originally signed up!"
Kevin Stone
ON
"Top notch simulation software that finally exists , at a reasonable price ,for DIY investors to plan their retirement in the most tax-efficient manner possible. Prior to Optiml, DIY spreadsheets almost solved this problem, but required a lot of effort and were error prone. The Optiml team is super-responsive to sort out any issues and offer helpful tips. I have not found a better solution for Canadian DIY investors."
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."
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!"
Derek F.
Toronto, ON
"Optiml makes financial planning feel doable, even in your 30s. It helped me model buying a home, saving for the future, and even early retirement options, all without needing a financial advisor."
Jason & Mira
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."
David Barter
NB
"I have been really happy with Optiml. I was looking for a long time for good software for DIY financial planning. The features added on a regular basis are making it more and more powerful."
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."
Russell J.
Ottawa, Ontario
"I just setup an account with you and absolutely love the calculation tool and your product."
Michelle D.
Winnipeg, Manitoba
"As someone who was overwhelmed by retirement planning, Optiml has given me clarity and direction. The interface is so intuitive!"
Mark C.
Saint John, New Brunswick
"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!"
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."
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."
Donald J.
NS
"Thanks to the confidence we gained after running our financial plan through Optiml, my wife was able to retire comfortably. The interface is intuitive, and the insights are exceptional."
James Albo
QC
"I have been using Optiml for 2 months. It is an incredible piece of software and I wanted provide feedback. For DIY investors like myself, I nolonger need to rely on my spreadsheet. I can now do more than I ever could using this software. They seem to push out new updates on a weekly basis and their customer support is very fast and friendly. It is also a Canadian company which is why I originally signed up!"
Kevin Stone
ON
"Top notch simulation software that finally exists , at a reasonable price ,for DIY investors to plan their retirement in the most tax-efficient manner possible. Prior to Optiml, DIY spreadsheets almost solved this problem, but required a lot of effort and were error prone. The Optiml team is super-responsive to sort out any issues and offer helpful tips. I have not found a better solution for Canadian DIY investors."
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."
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!"
Derek F.
Toronto, ON
"Optiml makes financial planning feel doable, even in your 30s. It helped me model buying a home, saving for the future, and even early retirement options, all without needing a financial advisor."
Jason & Mira
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."
David Barter
NB
"I have been really happy with Optiml. I was looking for a long time for good software for DIY financial planning. The features added on a regular basis are making it more and more powerful."
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."
Russell J.
Ottawa, Ontario
"I just setup an account with you and absolutely love the calculation tool and your product."
Michelle D.
Winnipeg, Manitoba
"As someone who was overwhelmed by retirement planning, Optiml has given me clarity and direction. The interface is so intuitive!"
Robert P.
Edmonton, Alberta
"Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!"
Ronda L.
Edmonton, Alberta
"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."
Reddit User
Verified User
"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."
Brian Morgan
ON
"After exploring several user-focused financial planning tools, I came across Optiml, and it quickly became my tool of choice. I really appreciated how easy it was to build my own financial plan just by entering all the relevant information. The platform also offers connectivity to banks and investment institutions, allowing financial data to be updated whenever I choose, which makes keeping things current very convenient. I found it particularly valuable to run various 'what-if' scenarios, adjust withdrawal strategies, and explore different retirement planning options—giving me a much clearer picture of the long-term implications of my decisions. What really stood out, though, was the great support. The Optiml team is quick to respond, eager to help, and very open to user suggestions. They've shown a genuine willingness to consider feature requests and quality-of-life improvements for future releases, which makes me feel like they're building this platform with their users in mind"
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!"
Paul Cabrera
ON
"I am a DIY investor and financial manager for our personal finances. I've worked in the financial sector most of my career; American Express, JP Morgan, Scotiabank, Global Payments & Fiserv. My wife and I are fortunate to retire at 53 years of age achieving FI (financial independence) with a multiple 7 figure portfolio. Savings and accumulation is by far easier then retirement/decumulation. Everything I need in a software program I get with Optiml to help me make the right financial decisions in retirement. SERVICE & RESPONSIVENESS from the team at Optiml is also the main driver for selecting them in a field riddled with financial tools and software providers."
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."
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."
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."
Tony L.
Ottawa, ON
"As a business owner, I needed something that could handle multiple income streams, a CCPC, and a future sale. Optiml handled it all. It’s become my go-to tool for stress testing different exit strategies."
Janet O.
Niagara on the Lake, Ontario
"If your financial advisor won't help you determine which of your accounts to use to fund your retirement spending (or even how much you can afford to spend), you can figure it out yourself with the help of Optiml. I have been searching for this software since I retired and am thrilled that I finally found it!"
Jerry S.
Vancouver, British Columbia
"Loving the app. Exactly what I was looking for!"
Sarah S.
Halifax, Nova Scotia
"Love this tool, officially not dumping everything to RRSP like I was told to do by friends, analysis is so easy to play with."
Robert P.
Edmonton, Alberta
"Finally found a retirement planning tool that takes into account all aspects of my financial situation. The tax optimization features are incredible!"
Ronda L.
Edmonton, Alberta
"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."
Reddit User
Verified User
"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."
Brian Morgan
ON
"After exploring several user-focused financial planning tools, I came across Optiml, and it quickly became my tool of choice. I really appreciated how easy it was to build my own financial plan just by entering all the relevant information. The platform also offers connectivity to banks and investment institutions, allowing financial data to be updated whenever I choose, which makes keeping things current very convenient. I found it particularly valuable to run various 'what-if' scenarios, adjust withdrawal strategies, and explore different retirement planning options—giving me a much clearer picture of the long-term implications of my decisions. What really stood out, though, was the great support. The Optiml team is quick to respond, eager to help, and very open to user suggestions. They've shown a genuine willingness to consider feature requests and quality-of-life improvements for future releases, which makes me feel like they're building this platform with their users in mind"
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!"
Paul Cabrera
ON
"I am a DIY investor and financial manager for our personal finances. I've worked in the financial sector most of my career; American Express, JP Morgan, Scotiabank, Global Payments & Fiserv. My wife and I are fortunate to retire at 53 years of age achieving FI (financial independence) with a multiple 7 figure portfolio. Savings and accumulation is by far easier then retirement/decumulation. Everything I need in a software program I get with Optiml to help me make the right financial decisions in retirement. SERVICE & RESPONSIVENESS from the team at Optiml is also the main driver for selecting them in a field riddled with financial tools and software providers."
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."
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."
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."
Tony L.
Ottawa, ON
"As a business owner, I needed something that could handle multiple income streams, a CCPC, and a future sale. Optiml handled it all. It’s become my go-to tool for stress testing different exit strategies."
Janet O.
Niagara on the Lake, Ontario
"If your financial advisor won't help you determine which of your accounts to use to fund your retirement spending (or even how much you can afford to spend), you can figure it out yourself with the help of Optiml. I have been searching for this software since I retired and am thrilled that I finally found it!"
Jerry S.
Vancouver, British Columbia
"Loving the app. Exactly what I was looking for!"
Sarah S.
Halifax, Nova Scotia
"Love this tool, officially not dumping everything to RRSP like I was told to do by friends, analysis is so easy to play with."
Run 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.
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 You'll Get (Free Trial Breakdown)
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?
Start Your Free TrialOur 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.
Optiml by the Numbers
Trusted by Canadians Nationwide
Real results from real Canadians who have taken control of their financial future
65,000+
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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