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Optiml
Halifax, Nova Scotia, Canada
What it is
Optiml is web-based Canadian retirement planning software that stress-tests financial what-ifs to help build a tax-efficient plan. Users can run unlimited scenarios and see how changes affect their plan. Its withdrawal optimizer maps a tax-efficient yearly withdrawal order across RRSP, non-registered, and TFSA accounts, while the CPP and OAS optimizer compares possible benefit start ages against a plan and stated goal. Success Score tests a plan against up to 50 scenarios, including market downturns and high inflation. The Estate Projector estimates after-tax estate value across the retirement timeline, and Eva, its AI assistant, answers questions using plan context. Users can enter account balances manually or optionally sync account names and balances through Wealthica; that connection does not access transaction history or holdings. Optiml offers a free plan and a 14-day trial. Annual plans are Essentials at C$99 a year, Pro+ at C$249 a year, and Legacy at C$499 a year. Legacy is described as built for business owners who may have a trust, holding company, or operating company.
For and against
For
- Unlimited what-if scenarios.
- Withdrawal planning covers RRSP, non-registered, and TFSA accounts.
- Success Score tests up to 50 scenarios.
- Balances can be entered manually or synced through Wealthica.
Against
- Available on the web only.
- Essentials stores one plan.
- Wealthica sync does not access transaction history or holdings.
The verdict
Optiml brings scenario testing, withdrawal planning, and estate projections into a retirement planning tool. Its plan limits and annual prices are worth weighing against the features needed.
Who it suits
Optiml suits people planning retirement in Canada who want to model withdrawals, government benefit timing, and financial scenarios. Its Legacy plan is aimed at business owners with trust or company assets.
Plans and prices
Essentials
Unlimited what-if scenarios · 1 stored plan · email support
Read 29 Sep 2026 · optiml.ca
Pro+
Unlimited plans · store up to 20 · CPP/QPP and OAS optimizer · linked investment accounts
Read 29 Sep 2026 · optiml.ca
Legacy
Includes Pro+ · trust planning · HoldCo assets · stand-alone OpCos
Read 29 Sep 2026 · optiml.ca
On the record
- AI assistant
- Eva is an AI assistant that answers questions about a user's plan, taxes, and strategies using plan context.optiml.ca · read 29 Sep 2026
- Availability
- Optiml states that it has uptime of 99.9% or higher.optiml.ca · read 29 Sep 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 · read 29 Sep 2026
- Estate planning
- The Estate Projector projects after-tax estate value across a user's retirement timeline.optiml.ca · read 29 Sep 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 · read 29 Sep 2026
- Government benefits
- The CPP and OAS optimizer tests possible benefit start ages against a user's plan and stated goal.optiml.ca · read 29 Sep 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 · read 29 Sep 2026
- Integration data limit
- Optiml says Wealthica sync accesses account names and balances, not transaction history or holdings.optiml.ca · read 29 Sep 2026
- Purpose
- Optiml is Canadian retirement planning software that stress-tests financial what-ifs to build a tax-efficient retirement plan.optiml.ca · read 29 Sep 2026
- Scenario planning
- Users can run unlimited what-if scenarios and see how changes affect their financial plan.optiml.ca · read 29 Sep 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 · read 29 Sep 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 · read 29 Sep 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 · read 29 Sep 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 · read 29 Sep 2026
