How Optiml Works
DIY retirement planning software.
Built for every UK household
Whether you're in England, Scotland, Wales, or Northern Ireland, planning solo or building your dream retirement with your spouse, Optiml has you covered.
England, Scotland, Wales & NI
Full tax optimisation across UK and Scottish income tax bands
Individual Planning
A retirement plan built entirely around your unique financial situation and goals
Joint Household Planning
Optimise together. The power couple. One optimised household strategy.
The Optiml Approach
Start with the end in mind
Every great retirement plan begins with two fundamental questions.
How much do you want to spend?
How much do you want to leave behind?
Optiml works backwards
Tell Optiml everything you want to accomplish: your lifestyle, goals, and legacy. Optiml then works backwards to find the most tax-efficient path to get there. No guesswork. No generic advice. Just your optimized plan.
Unlike Traditional Financial Planning
Traditional Planning
Focuses only on the current year
Year-by-year decisions made in isolation
No long-term tax optimization
Generic, one-size-fits-all strategies
Optiml
Plans your entire retirement lifetime at once
Every decision connected to long-term outcomes
Minimizes your total lifetime tax burden
Fully personalized to your exact goals
Step-by-Step Setup
Build Your Financial Profile
Input your complete financial picture. Optiml needs to understand where you are today to find your best path forward.
Average onboarding time takes 15 minutes
Step 01
Your starting point
Income & Government Benefits
Add all your sources of income and government benefit details. Optiml factors in current and future income sources.
Income Snapshot
Employment
£115,000/yr
Pension
£22,000/yr
State Pension timing optimised
Step 02
Your wealth picture
Investment Balances
Add your pension and investment account balances. Optiml only needs each account's combined total, not individual holding details.
Portfolio Balance
SIPP
ISA
GIA
LISA
Step 03
Every pound of net worth
Assets
Add all your personal assets including property, insurance, private equity, and other holdings, plus business assets like trusts and limited companies.
Real Estate Assets
🏠
Primary Residence
£720k
🏡
Holiday Home
£280k
🏢
Buy-to-Let
£520k
Total
£1.52M
Step 04
Your life's ambitions
Goals
Simulate future purchases and expenses, one-time or recurring. Whether it is a kitchen renovation, a family vacation, your child's wedding, or charitable giving, it all gets factored in.
Upcoming Goals
Kitchen Renovation
One-time
£35,000
Europe Trip
Recurring
£10,000/yr
Child's Wedding
One-time
£25,000
Step 05
Clear the full picture
Debt
Capture all outstanding debt obligations beyond your primary mortgage. Debt is a critical factor that must be accounted for in your long-term plan.
Is your debt's interest rate tax deductible? Factor that into your Optiml plan.
Debt Overview
Personal Loan
£18,500
7.5%Buy-to-Let Mortgage
£120,000
5.4%Credit Card
£4,500
21.9%Step 06
The most important step
Living Expenses
Define your after-tax income needs to fund your lifestyle, today and into the future. Create different spending phases to reflect how your needs will evolve through retirement.
Go-Go
Ages 54–70
Slow-Go
Ages 70–80
No-Go
Ages 80+
Now for the Fun Part
Choose Your Retirement Strategy
With your profile complete, select the strategy that matches your goals. Optiml will find the most tax-efficient path to get you there.
With Optiml
Without
Maximise After-Tax Estate
Tell Optiml how much after-tax income you need each year. It secures your lifestyle first, then builds a mathematically optimised plan to leave the largest possible after-tax legacy to the people you care about.
Explore Strategy
With Optiml
Without
Minimise Lifetime Taxes
Tell Optiml how much you want in after-tax pounds each year of your plan. Your plan develops a tax-efficient withdrawal strategy across your SIPP, ISA, and GIA to ensure you pay the least amount of tax over your lifetime.
Explore Strategy
With Optiml
Without
Maximise Retirement Spending
Spend more, worry less. Optiml designs a tax-efficient drawdown strategy with one goal: maximising your after-tax income each year so you can live your best retirement without ever running out of money.
Explore Strategy
Your spending
Estate target
Set Your Estate Target
Define exactly how much you want to leave behind in after-tax pounds. Optiml locks in your legacy goal and calculates the maximum you can spend throughout your lifetime, while confirming you will still hit your target.
Explore Strategy
Strategic draw
No strategy
Pension Drawdown Bridge
Build your plan around your SIPP. Choose between a conservative, moderate, or aggressive drawdown, or create a custom path, to deplete or sustain your pension while keeping income within the basic-rate band before your State Pension begins.
Explore Strategy
Allowance preserved
Tapered away
Personal Allowance Taper Avoider
If your income flirts with the £100,000–£125,140 band, every extra pound costs you 60% in tax. This strategy builds a plan to keep your adjusted net income under the taper threshold, restoring your personal allowance and slashing your effective rate.
Explore Strategy
Estate
Spending
Tax
Build Your Own Custom Plan
Our optimized plans run the numbers and provide a math-based approach. Want to add your own touch? Input your own deposit and withdrawal strategy to build a plan exactly the way you want it.
Explore Strategy
Run Unlimited
What-If Scenarios
Once you've run your first plan, the real power begins. Change any single input like retirement age, spending levels, or investment returns and instantly see the impact on your entire lifetime plan.
Examples of what you can simulate
What if I retire at 62?
What if I increase spending by £15k/yr?
What if I defer my State Pension?
What if I sell my holiday home?
What if my SIPP grows at 6%?
What if we travel more in our 60s?
What if I wind down my limited company?
What if I gift £80k to my kids?
What if I work part-time at 58?
What if inflation rises to 4%?
Downsizing vs renting?
Unlimited
What-If Scenarios
Instant
Plan Recalculation
Real-Time
Tax Impact Analysis
Understand Your Plan
EVA
Meet Eva. Your personal AI assistant.
Optiml is built for more than just optimization. It is built for empowerment. We do not just show you your financial plan, we give you the tools to master it.
Eva is Optiml's AI assistant. Ask it anything about how Optiml works, or why your plan is making a specific decision in any year. You can use it to analyze your financial plan, pull out whatever data and insight you need, and help guide you in making some of life's most important financial decisions.
Examples of what you can ask Eva
Why is Optiml drawing from my SIPP at age 63?
What is my marginal tax rate in the year 2031?
Why did Optiml choose age 67 to claim my State Pension?
How can I reduce my Inheritance Tax exposure?
Why is my ISA being prioritised this year?
Can I afford to retire two years earlier?
Ready to build your optimized plan?
Join the waitlistJoin 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.
No spam, ever
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.
© 2026 Optiml. All rights reserved.