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Optiml

optiml.ca

From C$8.25/mo Free trial Web
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Spec score 7.9 #7 of 27 in Tax Planning Software

What it is

Optiml is web-based Canadian retirement planning software that stress-tests financial scenarios to help build a tax-efficient retirement plan. Users can run unlimited what-if scenarios and see how changes affect the plan. Its withdrawal optimizer determines a yearly tax-efficient withdrawal order across RRSP, non-registered, and TFSA accounts, while the CPP and OAS optimizer tests benefit start ages against the user's plan and goal. Success Score tests a plan against up to 50 scenarios, including market downturns, high inflation, and varying returns. The Estate Projector estimates after-tax estate value across the retirement timeline. Eva, an AI assistant, answers questions about the plan, taxes, and strategies using plan context. Optional Wealthica syncing imports account names and balances for supported account types; balances can also be entered manually. Optiml says the sync does not access transaction history or holdings. The company says its services and data are hosted in AWS facilities in central Canada and that data in transit uses 256-bit encryption with TLS/SSL endpoints. It states uptime of 99.9% or higher. Plans include Essentials at C$99 a year, Pro+ at C$249 a year, and Legacy at C$499 a year.

Spec sheet

Purpose
Optiml is Canadian retirement planning software that stress-tests financial what-ifs to build a tax-efficient retirement plan.Read 29 Sep 2026 · optiml.ca
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.Read 29 Sep 2026 · optiml.ca
Headquarters
Halifax, Nova Scotia, CanadaRead 28 Sep 2026 · optiml.ca
Founded
2024Read 28 Sep 2026 · optiml.ca
AI assistant
Eva is an AI assistant that answers questions about a user's plan, taxes, and strategies using plan context.Read 29 Sep 2026 · optiml.ca
Availability
Optiml states that it has uptime of 99.9% or higher.Read 29 Sep 2026 · optiml.ca
Company history
Optiml says it officially launched in September 2024 and identifies Max Jessome, Zac Davies, and Alex Ingham as its co-founders.Read 29 Sep 2026 · optiml.ca
Estate planning
The Estate Projector projects after-tax estate value across a user's retirement timeline.Read 29 Sep 2026 · optiml.ca
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.Read 29 Sep 2026 · optiml.ca
Government benefits
The CPP and OAS optimizer tests possible benefit start ages against a user's plan and stated goal.Read 29 Sep 2026 · optiml.ca
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.Read 29 Sep 2026 · optiml.ca
Integration data limit
Optiml says Wealthica sync accesses account names and balances, not transaction history or holdings.Read 29 Sep 2026 · optiml.ca
Scenario planning
Users can run unlimited what-if scenarios and see how changes affect their financial plan.Read 29 Sep 2026 · optiml.ca
Stress testing
The Success Score feature tests a plan against up to 50 scenarios, including market downturns, high inflation, and varying returns.Read 29 Sep 2026 · optiml.ca
Who it is for
The Legacy plan is described as built for business owners who may have a trust, holding company, or operating company.Read 29 Sep 2026 · optiml.ca
Withdrawal planning
The withdrawal optimizer creates a tax-efficient withdrawal order across RRSP, non-registered, and TFSA accounts for each year of a plan.Read 29 Sep 2026 · optiml.ca

Plans and prices

Essentials C$99 a year $99 /yr; annual billing; save 20% Unlimited what-if scenarios · 1 stored plan · email support Read 29 Sep 2026 · optiml.ca
Pro+ C$249 a year $249 /yr; annual billing; save 20% Unlimited plans · store up to 20 · CPP/QPP and OAS optimizer · linked investment accounts · plan downloads · 1:1 call support Read 29 Sep 2026 · optiml.ca
Legacy C$499 a year $499 /yr; annual billing; save 20% Includes Pro+ · trust planning · HoldCo assets · stand-alone OpCos Read 29 Sep 2026 · optiml.ca

Every Optiml plan and price →

Strong points and limits

Strong points

  • Runs unlimited what-if scenarios.
  • Models withdrawals across RRSP, non-registered, and TFSA accounts.
  • Tests CPP and OAS start ages.
  • Estate Projector estimates after-tax estate value.
  • Free Lite calculator processes data locally.

Limits

  • Paid plans are billed annually.
  • Wealthica sync does not include transaction history or holdings.
  • The product is available on web.

Who it suits

Optiml is for people planning Canadian retirement income, benefits, and estate outcomes. Its Legacy plan is described as suited to business owners who may have a trust, holding company, or operating company.

Verdict

Optiml combines scenario testing, withdrawal and benefit planning, and estate projections for Canadian retirement plans. Its paid plans are annual, while account syncing is limited to names and balances.

Where Specifiction places it

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