Optiml
- Free plan
- Trial only
- Paid plans from
- C$8.25/mo
- Runs on
- Web
Summary
Optiml is web-based Canadian retirement planning software for stress-testing financial what-ifs and building a tax-efficient retirement plan. Users can model unlimited scenarios and see how changes affect a plan. Its withdrawal optimizer maps a yearly withdrawal order across RRSP, non-registered, and TFSA accounts; a separate optimizer tests CPP and OAS benefit start ages against a stated goal. Success Score evaluates a plan against up to 50 scenarios, including market downturns and high inflation, while the Estate Projector estimates after-tax estate value over a retirement timeline. The Eva AI assistant answers questions using plan context. Users can sync account names and balances through optional Wealthica integration, or enter balances manually; the sync does not access transaction history or holdings. Optiml offers a free plan and a 14-day trial. Annual plans are Essentials at 99.00 CAD per year, Pro+ at 249.00 CAD per year, and Legacy at 499.00 CAD per year. Pro+ adds features including linked accounts and plan downloads; Legacy adds trust and company planning.
Who it is for
Optiml suits people planning retirement who want to compare financial scenarios, withdrawal strategies, or government benefit timing. Its Legacy plan is described for business owners who may have a trust, holding company, or operating company.
What is good
- Unlimited what-if scenarios are available.
- Tests plans against up to 50 scenarios.
- Projects after-tax estate value over retirement.
- Balances can be entered manually instead of synced.
- Optiml Lite is a free retirement calculator.
What to know first
- Web platform only.
- Essentials stores one plan.
- Paid plans are billed annually.
- Wealthica sync does not access holdings or transaction history.
Verdict
Optiml combines retirement scenario modeling with withdrawal, benefit, and estate planning tools. The free plan and trial offer a way to start, while its paid plans add capacity and planning features.
Optiml plans and pricing
All plansCompared on tax planning software
Facts
- Purpose
- Optiml is Canadian retirement planning software that stress-tests financial what-ifs to build a tax-efficient retirement plan.optiml.ca · 29 Sept 2026
- Scenario planning
- Users can run unlimited what-if scenarios and see how changes affect their financial plan.optiml.ca · 29 Sept 2026
- Withdrawal planning
- The withdrawal optimizer creates a tax-efficient withdrawal order across RRSP, non-registered, and TFSA accounts for each year of a plan.optiml.ca · 29 Sept 2026
- Government benefits
- The CPP and OAS optimizer tests possible benefit start ages against a user's plan and stated goal.optiml.ca · 29 Sept 2026
- Stress testing
- The Success Score feature tests a plan against up to 50 scenarios, including market downturns, high inflation, and varying returns.optiml.ca · 29 Sept 2026
- Estate planning
- The Estate Projector projects after-tax estate value across a user's retirement timeline.optiml.ca · 29 Sept 2026
- AI assistant
- Eva is an AI assistant that answers questions about a user's plan, taxes, and strategies using plan context.optiml.ca · 29 Sept 2026
- Integration
- The optional Wealthica integration syncs account names and balances for TFSA, RRSP, FHSA, non-registered, and LIRA accounts; users can enter balances manually instead.optiml.ca · 29 Sept 2026
- Integration data limit
- Optiml says Wealthica sync accesses account names and balances, not transaction history or holdings.optiml.ca · 29 Sept 2026
- Security
- Optiml says its services and data are hosted in AWS facilities in central Canada and data in transit is encrypted using 256-bit encryption with TLS/SSL endpoints.optiml.ca · 29 Sept 2026
- Availability
- Optiml states that it has uptime of 99.9% or higher.optiml.ca · 29 Sept 2026
- Free calculator
- Optiml Lite is described as a free retirement calculator, and the page says its data is processed locally and never stored on Optiml's servers.optiml.ca · 29 Sept 2026
- Who it is for
- The Legacy plan is described as built for business owners who may have a trust, holding company, or operating company.optiml.ca · 29 Sept 2026
- Company history
- Optiml says it officially launched in September 2024 and identifies Max Jessome, Zac Davies, and Alex Ingham as its co-founders.optiml.ca · 29 Sept 2026
Company
- Founded
- 2024optiml.ca · 28 Sept 2026
- Headquarters
- Halifax, Nova Scotia, Canadaoptiml.ca · 28 Sept 2026
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Sources
- optiml.ca· checked 29 Sept 2026
- optiml.ca/features/· checked 29 Sept 2026
- optiml.ca/features/wealthica/· checked 29 Sept 2026
- optiml.ca/security-policy/· checked 29 Sept 2026
- optiml.ca/optiml-lite/· checked 29 Sept 2026
- optiml.ca/pricing/· checked 29 Sept 2026
- optiml.ca/about/· checked 29 Sept 2026