Optiml
Ranked in Tax Planning Software ·Free trial· paid from C$8.25/mo
About
Optiml is Canadian web-based retirement planning software that stress-tests financial scenarios to help build a tax-efficient plan. Users can run unlimited what-if scenarios and see how changes affect their plan. Its withdrawal optimizer works out a yearly tax-efficient order across RRSP, non-registered and TFSA accounts, while the CPP and OAS optimizer tests possible benefit start ages against the user’s plan and goal. Success Score tests plans against up to 50 scenarios, including market downturns, high inflation and varying returns. The Estate Projector estimates after-tax estate value over a retirement timeline. Eva, an AI assistant, answers questions using plan context. Optional Wealthica sync covers account names and balances for TFSA, RRSP, FHSA, non-registered and LIRA accounts; manual entry is also available. The sync does not access transaction history or holdings. Optiml says its data is hosted in AWS facilities in central Canada and encrypted in transit using 256-bit encryption with TLS/SSL endpoints. A free calculator processes data locally and does not store it on Optiml’s servers. 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; a free plan and 14-day trial are also listed.
Who it is for
Optiml suits people modeling retirement income, government-benefit timing and estate value. Legacy is described as built for business owners who may have a trust, holding company or operating company.
What is good
- Unlimited what-if scenario planning
- Tests plans against up to 50 scenarios
- Models RRSP, non-registered and TFSA withdrawals
- Optional Wealthica sync or manual balance entry
- Free calculator processes data locally
What to know first
- Web platform only
- Wealthica sync does not include transactions or holdings
- Paid plans are billed annually
Verdict
Optiml brings scenario testing, withdrawal planning and estate projections into a web-based retirement tool, with manual balance entry as an alternative to Wealthica sync. Compare the annual plan limits and features to the planning work you need.
Compared 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