Optiml is a Canadian retirement-planning software brand that helps individuals and couples understand when they can retire and how much they can spend. Its platform models retirement income, savings, taxes and estate outcomes, then compares withdrawal strategies and government benefit timing to show how different choices affect a complete plan. Users can explore scenarios in real time, including retirement dates, spending levels, downsizing, family gifts and travel budgets.

The software offers strategies for minimizing lifetime taxes, maximizing retirement spending or an after-tax estate, setting an estate target, managing RRSP withdrawals and reducing OAS clawbacks. Users can also create custom deposit and withdrawal plans. Optiml accounts for tax rules across Canada’s provinces and territories, including province-specific details such as Ontario surtaxes and health premiums, and is available in English and French. The brand offers a free 14-day trial and a free Optiml Lite option, alongside pricing and services for financial advisors. Optiml reports a 4.9-out-of-5 Google rating, with customer feedback highlighting ease of use, scenario testing and responsive support.