Optiml
Optiml: A Canadian-focused planning platform with detailed projections and scenario tools. Ranked #19 of 28 in Tax Planning Software by our editors (6.7/10); pricing: Free plan · 14-day trial; best for canadian retirement and tax planning.
At a glance
- Editor score6.7 / 10
- PricingFree plan · 14-day trial
- Best forCanadian retirement and tax planning
- Free planYes
- Paid fromCA$99/yr
- Scenario modelingYes
- Founded2024 · Halifax, Nova Scotia, Canada
- Facts checked21 Sep 2026
Where it wins
- Year-by-year retirement, tax, estate and after-tax estate projections
- CPP/OAS timing, withdrawal sequencing and capital-gains modeling
- Advisor sharing, Wealthica linking and market stress testing
Where it doesn't
- Advanced trust, HoldCo and operating-company planning requires Legacy
- The platform is available on the web rather than across multiple platforms
- Founded in 2024, it has a shorter operating history
Our verdict on Optiml
Optiml is web-based retirement and tax-planning software for Canadians who want to build and manage their own financial plans. It models accounts, income, expenses, taxes, government benefits, withdrawals and estate outcomes year by year. DIY planners can compare retirement scenarios, optimize CPP and OAS start ages, model capital-gains realization and share read-only plans with an advisor. Wealthica linking also connects investment-account information within the planning workflow.
Pricing is structured around free access plus annual paid tiers. Essentials costs $99 CAD per year and includes what-if scenarios, retirement planning, tax-optimized strategies and email support. Pro+ costs $249 CAD per year and adds plan comparison, Success Score, linked investment accounts, CPP/QPP and OAS optimization, and AI insights. Legacy costs $499 CAD per year and includes everything in Pro+, plus trust planning, HoldCo planning and operating-company planning. A 14-day free trial is also available, giving buyers a way to assess the workflow before choosing a tier.
The product’s strongest fit is for Canadian households that want detailed tax-aware retirement modeling rather than a basic savings calculator. Its breadth covers retirement income, withdrawal sequencing, government benefits, capital gains, estate projections and market stress testing, while advisor sharing supports a collaborative planning relationship. The main trade-off is platform scope: Optiml is web-only, and Wealthica is the listed integration. Buyers seeking trust or corporate planning need Legacy, while those who need broader platform or integration coverage should consider an alternative. For Canadian DIY planners comfortable with an annual subscription, the free access and tiered feature set make Optiml a focused option.
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Optiml pricing
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Optiml fact sheet
| Free plan | Yes |
|---|---|
| Paid from | CA$99/yr |
| Scenario modeling | Yes |
| Multi-year projection | Yes |
| Capital gains modeling | Yes |
| Retirement income modeling | Yes |
| Data import | Yes |
| Client collaboration | Yes |
| Free trial | 14 days |
| Deployment | Cloud |
| Platforms | Web |
| Support | |
| Built for | Solo, Small business, Mid-market (editorial estimate) |
| Integrations | 1 integrations: Wealthica |
| Pricing | Free plan · 14-day trial (source) |
| Website | optiml.ca |
| Facts checked | 21 Sep 2026 |
Optiml integrations
Optiml lists 1 integrations on its own site.
- Wealthica
Alternatives to Optiml
- CCH ProSystem fx PlanningA deep CCH-connected planner for firms modeling complex federal and state tax outcomes.9.1
- Planner CSA planning workspace for federal, state, multi-year, and scenario-based tax analysis.9.0
- Thomson Reuters Ready to AdviseA guided tax-planning workflow for firms that want structured advisory delivery.8.9
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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