u/optiml_app — reddlx

A couple of new updates: charitable giving inside your HoldCo, and a new AI Validator (Beta)

Hey everyone,

Two updates worth this week.

1. Charitable giving inside your HoldCo

If you have a HoldCo, you can now add your charitable giving through the company instead of paying for it personally. Where eligible, the donation comes off as a Part I tax deduction against the HoldCo's income from rentals, investments, and interest. This was one of the most-requested updates from our Legacy members, so it's great to finally have it live.

2. A new AI Validator (currently in Beta)

Before you run a plan, you'll now see a Validate button. It kicks off a roughly 60-second deep dive that checks your inputs for anything set up incorrectly, an extra zero, or an inconsistency that would pull your plan away from reality. The goal is to catch the small stuff before it skews your whole projection, so you can trust the numbers before you read into them.

Since it's in Beta, I'd genuinely love your feedback: what it caught, what it missed, anything that felt off or too aggressive. Drop it in the comments and it goes straight to the team.

Happy to answer any questions about either one.

reddit.com

u/optiml_app — 6 days ago

▲ 10 r/Optiml

New Detailed Tax Calculation Page

Hey everyone,

Quick update to highlight this week, and one we think the more advanced users, the folks who really like to see all the numbers, are going to enjoy.

We hear this one a lot: how exactly is Optiml calculating my taxes each year? Totally fair. People want to actually see the math, not just trust it. And the question that comes up more than any other is dividends. Canadian dividend taxation is genuinely confusing, because your taxable dividend income ends up looking higher than what actually landed in your account. Eligible dividends get grossed up 38%, non-eligible 15%, so $100 of eligible dividends shows up as $138 of taxable income before the dividend tax credit brings it back down. If you don't know that's happening, the numbers look off even when they're right.

So we just added a Detailed Tax Calculation tab on the Taxes page. Run a plan, open it up, and you get the full line-by-line breakdown of how that year's tax was worked out, laid out kind of like TurboTax or taxtips. Each income type, the dividend gross-up and the credit that offsets it, federal and provincial, right down to the total.

Basically, instead of jumping over to taxtips to sanity-check your numbers, you can see the whole thing right inside Optiml now. The engine has always been accurate. This just shows our work.

Would love to hear what you think. And if there's a line or a part of the calc you want us to break down even further, tell us. This one came straight from your feedback.

Thanks everyone.

u/optiml_app — 14 days ago

▲ 7 r/Optiml

Custom Plan has been rebuilt from the ground up

Some of you might have noticed we recently launched a new version of Custom Plan. It isn't an update. We took it apart and rebuilt it from the ground up.

The reason is straightforward. You told us the old one wasn't doing the job. The scenarios you wanted to test couldn't be modelled easily, and the parts that did work were harder to use than they should have been. So we rebuilt it around that.

Here's what's actually different.

Your overrides now save

This is the one people asked for most. Make whatever manual overrides you want and they stay. Launch into your Custom Plan, come back to edit it later, and they're still there. Duplicate the plan and they come with it.

Build a set of overrides once, duplicate it, and adjust from there instead of starting from scratch every time you want to test a variation.

More accounts are yours to control

Custom Plan isn't just RRSP and TFSA anymore. You can now control your RESP (Registered Education Savings Plan), your RDSP (Registered Disability Savings Plan), and your cash savings as well. Any deposit, any withdrawal, any year.

Quick buttons

TFSA Max Out and RRSP Max Out sit right in the column headers. One click fills those deposits to the maximum, year by year, instead of typing out every year by hand.

You decide how imbalances get resolved

Change a deposit or a withdrawal and your plan stops balancing. Some years end up with more than you need (a surplus), others with not enough (a shortfall).

You've got two options. Leave Auto-Resolve on and Optiml sorts them out. Or turn Auto-Resolve off in the settings and it walks you through each year so you decide which account covers the gap.

Turning it off is slower. It's also the one that teaches you something, because you see exactly what each change costs you.

If you'd rather read than watch, we wrote the whole thing up here, including the four scenarios worth testing first: https://www.optiml.ca/blog/what-if-i-withdrew-from-my-tfsa-instead-how-to-test-any-retirement-what-if-and-fund-it-your-way/?utm_source=reddit&utm_medium=social&utm_campaign=custom-plan-launch-2026-07&utm_content=r-optiml-post

As always, we have been testing and working on this feature for a while, but if you have any questions, comments or run into any issues, please let us know and we will be happy to take a look.

Happy planning!

youtube.com

u/optiml_app — 1 month ago

▲ 4 r/Optiml

New feature: Historical Snapshot is live 📸

Hey everyone,

The feature we've been teasing is finally here. Historical Snapshot is now live!

Here's the idea. Optiml has always been about looking forward, projecting your plan and modelling the years ahead. Snapshot lets your plan look back. Take one and it captures a complete picture of where you stand right now: your net worth, your accounts, and what you've actually earned in growth this year versus what you projected. Take them over time and you build a running record of how your retirement is really progressing.

A few tips to get the most out of it:

- Get your plan fully up to date first (balances, and your contributions and withdrawals so far this year). A snapshot is only as accurate as the plan behind it.

- You can take one as often as every month, or as rarely as once a year. You set the frequency.

- They save forever, so the more consistently you capture them, the richer your timeline gets.

- Made a mistake? You can edit, fix, or delete any past snapshot anytime.

Once you take your first one and set your frequency, we'll email you when your next snapshot is ready to take, so you never lose the thread.

This is the first of many new features coming to Master plan. If a question comes up, EVA can walk you through it right inside your plan. And we'd genuinely love to hear what you think once you've taken your first snapshot.

Happy planning. 📸

u/optiml_app — 2 months ago

▲ 12 r/Optiml

Happy Canada Day. 🍁

Happy Canada Day, everyone.

A quick thank-you on a day that feels right for it.

We're a small Canadian team in Halifax, Nova Scotia, and we built Optiml because we believe Canadians should be able to build, run, and manage their own retirement plan, with the tools and the confidence to make informed decisions themselves. And we wanted those tools built for our rules: RRSPs, TFSAs, FHSAs, CPP, OAS, pension splitting, the OAS clawback, your withdrawal timing, and 13 different provincial and territorial tax systems. A retirement here works differently than it does anywhere else, and we wanted software that actually respects that.

The reason we get to keep building it is you. Every plan you run, every question you send us, and every bit of feedback in this community makes the product better. We're genuinely grateful for it.

So from all of us: thank you for being part of this. Enjoy the day, wherever you are in the country.

reddit.com

u/optiml_app — 2 months ago