Family Office vs Optiml

We make Family Office. Every fact about another app here comes from its own public pages, linked below and dated; where those pages do not say, the cell is blank. Family Office's column comes from its own code.

Who Optiml suits

Optiml is a Canadian retirement planner that optimises withdrawals and tax across the provinces and territories, in English and French, with a Legacy plan for holding companies and trusts.

Side by side

Feature	Family Office (ours)	Optiml
Canadian tax	Federal and provincial income tax (13 regimes, one per province and territory), capital gains at the inclusion rate, dividends with the gross-up and credit, the OAS recovery tax and RRIF minimum withdrawals, year by year in the plan, and the tax at death on RRSP, RRIF, LIRA and LIF balances	Federal tax and all 13 provinces and territories, the OAS clawback, a withdrawal optimiser and an estate projector; corporate RDTOH, GRIP and CDA on Legacy
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up	Canada, with US accounts for cross-border users
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	A Success Score from up to 50 Monte Carlo scenarios and six market histories, on Pro+ and Legacy
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household	Holding and operating companies and a trust, on Legacy
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	Real estate, depending on the plan
Pensions	RRSP, RRIF, LIRA, LIF, TFSA, FHSA, RESP, CPP, QPP and OAS; other pension income as an annuity	RRSP, RRIF, LIRA, LIF, TFSA, defined contribution plans, CPP and QPP, OAS and GIS; US IRAs, 401(k)s and Social Security
Bank links	Through Plaid (Canada): 2 on Premium, 10 on Gold and Platinum	Through Wealthica, on Pro+ and Legacy
Free plan	Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account.	Optiml Lite, a free calculator: its data is processed locally and never stored on Optiml's servers; 14 days free on the paid plans
Price	CA$20 to CA$79 a month (US$15 to US$59, £12 to £49); a year costs the price of 10 months	Essentials CAD 9.99 a month or 99 a year; Pro+ CAD 24.99 or 249; Legacy CAD 49.99 or 499
Where data is kept	Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list	AWS in central Canada
Export	The whole plan as a file you can import again, on every plan; the report printed to PDF on the paid plans; budget transactions as CSV	The plan can be downloaded on Pro+ and Legacy; the format is not stated

When Optiml is the better choice

You live in Canada and want withdrawals optimised for tax across your accounts.
You want your data kept in Canada: AWS in central Canada.
You own a holding company and want RDTOH, GRIP and CDA in the plan (Legacy).

When Family Office is the better choice

Your life spans more than one country: 122 tax regimes in 34 countries, and a move from one to another in the plan (Premium and up).
You want your whole plan in a file you can import again.

Sources

Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.

Other comparisons

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