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What Optiml Actually Gives You

Not features. Outcomes.

Behind every feature is a feeling. Confidence. Clarity. Control.

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Yes, you can retire.

Stop wondering if you have enough. Optiml runs your complete financial picture and gives you a clear, honest answer backed by math, not guesswork.

Examples of what you can simulate

Retire at 62

Spend +£15k/yr

Defer State Pension

Sell the holiday home

6% SIPP growth

Travel more at 65

Unlimited What-If Scenarios

Test any decision and see the impact in real time. Adjust retirement age, spending, home decisions, investment returns, or life expectancy. Every change flows through your full financial plan instantly.

Learn more

Decumulation Strategy

Tax Optimized

Account balances over time

SIPP Drawdown

GIA

ISA

SIPP

GIA

ISA

Age 60

£28,000

£12,000

Untouched

Age 67

£24,000

£8,000

Untouched

Age 78

£6,000

£3,500

£18,000

Withdrawal Optimizer

Optiml builds a tax-efficient withdrawal order across all your accounts, SIPP, ISA, and GIA, for every single year of your plan. No guessing, no generic rules of thumb.

Learn more

State Pension Weekly Income

Age 66

£230/wk

Standard

Defer 2y

£257/wk

+11.7%

Defer 5y

£297/wk

Optimal

State Pension Optimizer

Game Changer

Run the optimizer to test every possible State Pension start age. Optiml uses your full plan to find the optimal timing based on your goal, maximising estate value or maximising spending.

Learn more

After-Tax Estate Projection

Tax Optimized

Projected After-Tax Estate

£1,820,000

+£280k vs unoptimised plan

To Family

£1,820,000

Inheritance Tax

£316,000

Estate Value by Age

Age 70

£1.4M

Age 75

£1.7M

Age 80

£2.0M

Age 85

£2.3M

To Family

Inheritance Tax

Estate Projector

Optiml projects your after-tax estate value across your full retirement timeline. See how tax-efficient withdrawals, account sequencing, and strategic timing work together to preserve more wealth for the people you care about.

Learn more

Stress Test Results

87

/100

43 of 50 scenarios passed

86% success rate

Success Score

Stress test your plan against up to 50 different scenarios including market downturns, high inflation, and varying returns. See your score and adjust until the plan is truly resilient.

Learn more

Retire at 54

vs

Retire at 55

Estate Value

£1.2M

£1.4M

Monthly Income

£6,200

£6,900

Tax Savings

£18k/yr

£23k/yr

Plan Comparison

Place two plans side by side and see exactly how small decisions ripple across your entire financial future. Retiring at 54 versus 55, downsizing versus staying. The numbers tell the story.

Learn more

Saved Plans

3 of 20

Retire at 60 Conservative

Mar 12

Retire at 55 Growth Strategy

Mar 5

Part-time at 58

Feb 28

Save and Manage Plans

Run unlimited plans and save up to 20 to your profile. Each saved plan holds your inputs and results. Revisit a plan from six months ago or pick up right where you left off.

Learn more

Connected Accounts

Vanguard SIPP

£287,430

Hargreaves ISA

£124,890

AJ Bell GIA

£98,200

Connected Accounts

Securely link your SIPP, ISA, workplace pension, and GIA balances to Optiml. Your balances update automatically so your plan always reflects reality. Multiple accounts combined into one clean view.

Learn more

Eva, AI Assistant

"When should I claim my State Pension?"

Based on your plan, deferring your State Pension until age 70 increases your after-tax estate by £94,000.

Eva, Your AI Assistant

Eva understands your plan and the Optiml platform. Ask about taxes, strategies, or your specific situation. Eva gives real, contextual answers so you can make confident decisions.

Learn more

Examples of what you can simulate

Retire at 62

Spend +£15k/yr

Defer State Pension

Sell the holiday home

6% SIPP growth

Travel more at 65

Yes, you can retire.

Stop wondering if you have enough. Optiml runs your complete financial picture and gives you a clear, honest answer backed by math, not guesswork.

Unlimited What-If Scenarios

Learn more

Decumulation Strategy

Tax Optimized

Account balances over time

SIPP Drawdown

GIA

ISA

SIPP

GIA

ISA

Age 60

£28,000

£12,000

Untouched

Age 67

£24,000

£8,000

Untouched

Age 78

£6,000

£3,500

£18,000

Know exactly which account to draw from, and how much, every year.

Don't follow a generic withdrawal order. See a personalised strategy showing exactly when and how much to withdraw from each account, year by year, built around your tax situation and your goals.

Withdrawal Optimizer

Learn more

State Pension Weekly Income

Age 66

£230/wk

Standard

Defer 2y

£257/wk

+11.7%

Defer 5y

£297/wk

Optimal

Calculate the best time to claim your State Pension.

Most people leave thousands on the table by defaulting to State Pension age. Optiml runs every possible start age against your full plan and tells you exactly when to claim it.

State Pension Optimizer

Learn more

After-Tax Estate Projection

Tax Optimized

Projected After-Tax Estate

£1,820,000

+£280k vs unoptimised plan

To Family

£1,820,000

Inheritance Tax

£316,000

Estate Value by Age

Age 70

£1.4M

Age 75

£1.7M

Age 80

£2.0M

Age 85

£2.3M

To Family

Inheritance Tax

See exactly how much you will leave behind for your loved ones.

Know your after-tax estate value down to the dollar. Understand what goes to your family and what goes to tax, and find the strategies that tip that balance in your family's favour.

Estate Projector

Learn more

Stress Test Results

87

/100

43 of 50 scenarios passed

86% success rate

Have confidence you won't run out of money.

Your plan is tested across market downturns, rising inflation, and varying returns. Know that your income holds up no matter what the market does.

Success Score

Learn more

Retire at 54

vs

Retire at 55

Estate Value

£1.2M

£1.4M

Monthly Income

£6,200

£6,900

Tax Savings

£18k/yr

£23k/yr

Compare different strategies side by side. Know the difference immediately.

Small decisions have enormous long term consequences. Optiml makes those consequences visible so you can choose with confidence rather than anxiety.

Plan Comparison

Learn more

Saved Plans

3 of 20

Retire at 60 Conservative

Mar 12

Retire at 55 Growth Strategy

Mar 5

Part-time at 58

Feb 28

Your plan, on your terms. Update it from home any time.

No calls, no emails, no waiting for an advisor to get back to you. Make a change and see the impact in seconds. You are in control of your own financial future.

Save and Manage Plans

Learn more

Connected Accounts

Vanguard SIPP

£287,430

Hargreaves ISA

£124,890

AJ Bell GIA

£98,200

Your plan always reflects what you actually have.

No more manual updates. No more stale numbers. Your accounts sync automatically so every decision you make is grounded in your real financial picture.

Connected Accounts

Learn more

Eva, AI Assistant

"When should I claim my State Pension?"

Based on your plan, deferring your State Pension until age 70 increases your after-tax estate by £94,000.

Never make a financial decision alone again.

Have a question about your plan? Ask Eva. It knows your numbers, understands your goals, and gives you a straight answer without the jargon or the billable hour.

Eva, Your AI Assistant

Learn more

Ready to build your optimized plan

Ready to build your optimized plan?

Join the waitlist

Join the waitlist

Be first in line when we launch.

Optiml is coming to the UK. Register your interest to get launch news first and lock in exclusive founding-member pricing before we open to the public.

Founding-member pricing

Lock in exclusive early-bird rates that are only available before we launch.

Launch news first

Be the first to hear the moment Optiml opens to new users in the UK.

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We only email about the launch and product updates. Unsubscribe any time.

Register your interest

We'll be in touch with launch news as soon as we're ready to welcome you in.

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Empowering you to take control of your financial future.

Strategies

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