Freedom251 › Tax Planning Software
Optiml
What Optiml is
Optiml is web-based Canadian retirement planning software that stress-tests financial scenarios to help build a tax-efficient retirement plan. Users can model unlimited what-if scenarios and see how changes affect their plan. Its withdrawal optimizer creates a yearly order across RRSP, non-registered, and TFSA accounts, while the CPP and OAS optimizer compares potential 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 through a retirement timeline, and Eva answers questions about a plan, taxes, and strategies using plan context. Optional Wealthica integration syncs account names and balances for supported accounts; users can also enter balances manually. Optiml says the integration does not access transaction history or holdings. A free calculator, Optiml Lite, processes data locally and does not store it on Optiml's servers. Optiml offers a free plan and a 14-day trial. Annual paid plans are Essentials at C$99 a year, Pro+ at C$249 a year, and Legacy at C$499 a year.
Who it suits
Optiml suits people in Canada planning retirement income, government benefit timing, and estate value. Its Legacy plan is described as built for business owners with a trust, holding company, or operating company.
What it does well
- Runs unlimited what-if scenarios.
- Tests plans against up to 50 scenarios.
- Supports RRSP, non-registered, and TFSA withdrawal planning.
- Free calculator processes data locally.
What to know first
- Listed plans are billed annually.
- Available only on the web.
- Wealthica sync does not access transaction history or holdings.
Limits
The free plan and 14-day trial are available. Essentials costs C$99 a year and includes one stored plan; Pro+ allows up to 20 stored plans, while Legacy includes Pro+ features.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Pro+ | $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 | C$249 a year |
| Legacy | $499 /yr; annual billing; save 20% · Includes Pro+ · trust planning · HoldCo assets · stand-alone OpCos | C$499 a year |
| Essentials | $99 /yr; annual billing; save 20% · Unlimited what-if scenarios · 1 stored plan · email support | C$99 a year |
As optiml.ca lists them, read 29 Sept 2026. The maker's own page has the final word.
Getting started
- Open https://www.optiml.ca/ in a web browser.
- Start with the free plan or use the 14-day trial.
- Enter account balances manually or optionally connect Wealthica for account names and balances.
- Run what-if scenarios and review the retirement plan.
- Choose an annual plan if you need its listed plan capacity or features.
Verdict
Optiml brings scenario, withdrawal, benefit, and estate planning into a web-based retirement tool. Its annual plan prices and account-sync scope are useful considerations before choosing it.
Questions
What does Optiml cost?
Essentials is C$99 a year, Pro+ is C$249 a year, and Legacy is C$499 a year. Each is billed annually.
Does Optiml have a free plan or trial?
Yes. Optiml lists a free plan and a 14-day trial.
Which platforms does Optiml support?
Optiml is available on the web.
Can I connect investment accounts?
Optional Wealthica integration syncs account names and balances for TFSA, RRSP, FHSA, non-registered, and LIRA accounts. Balances can also be entered manually; the sync does not access transaction history or holdings.
What do the paid plans include?
Essentials includes unlimited what-if scenarios, one stored plan, and email support. Pro+ includes unlimited plans, up to 20 stored, CPP/QPP and OAS optimization, linked investment accounts, plan downloads, and 1:1 call support. Legacy includes Pro+ plus trust planning, HoldCo assets, and stand-alone OpCos.
Who makes Optiml?
Optiml identifies Max Jessome, Zac Davies, and Alex Ingham as its co-founders. Its headquarters are in Halifax, Nova Scotia, Canada.
Facts from Optiml's own pages
- 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
- Availability
- Optiml states that it has uptime of 99.9% or higher. · 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
- Estate planning
- The Estate Projector projects after-tax estate value across a user's retirement timeline. · optiml.ca, 29 Sept 2026
- Founded
- 2024 · optiml.ca, 28 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
- 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
- Headquarters
- Halifax, Nova Scotia, Canada · optiml.ca, 28 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
- 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
- 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
- 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
- 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
- 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
Where Optiml stands on Freedom251
- Tax Planning Software#5 of 27