Canada's #1 Financial Planning Tool
Turn Confusing Finances Into a Clear Retirement Plan
Model every decision, from CPP timing to RRSP vs. TFSA strategies. Build, optimize, and execute your financial plan, and update it anytime as life changes.
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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
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
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"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
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"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
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"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
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 TrialOptiml by the Numbers
Trusted by Canadians Nationwide
Real results from real Canadians who have taken control of their financial future
30,000+
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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