What Optiml Actually Gives You
Not features. Outcomes.
Behind every feature is a feeling. Confidence. Clarity. Control.
Join the waitlistYes, 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 OptimizedAccount 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
OptimalState Pension Optimizer
Game ChangerRun 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 OptimizedProjected 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 20Retire 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 OptimizedAccount 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
OptimalCalculate 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 OptimizedProjected 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 20Retire 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?
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