Every change has a ripple effect

What looks like a small adjustment today can shift your tax bands, account balances, and estate value across decades of your plan. Optiml runs every year of your financial future every time you make a change, so nothing is hidden.

Your previously optimised plan may no longer be optimal

You may have built a plan and found the best State Pension start age. But that was optimised around the inputs you used at the time. Change one variable, your retirement age or desired after-tax income, and that previously optimal start age may no longer be the right call. Optiml gives you the power to retest and see how everything shifts.

Real examples of what-if scenarios

What if you paid off the mortgage two years early? What if you increased your desired retirement income by £10,000 per year? What if you sold the holiday home at 70 instead of 65? What if you retired at 55 instead of 58? Each of these is a what-if scenario, and Optiml shows you exactly what each one means for every year of your financial plan.

Unlimited plans, no extra cost

There is no limit to how many times you can run a plan or how many scenarios you can explore. Build a conservative version and an optimistic one. Test five different retirement ages. Save the ones you want to revisit and compare them side by side.