Track your estate value year by year

Optiml projects your estate value across your full retirement timeline, from today through the end of your plan. You see the full trajectory, not just a single end-of-life number, so you can understand how your estate grows, peaks, and shifts as withdrawals and strategies play out.

See exactly what Inheritance Tax will cost

Your Inheritance Tax breakdown is itemised in full. The nil-rate band, residence nil-rate band taper above £2m, and the April 2027 inclusion of unused pensions are all factored in. The Estate Projector shows each line so you understand exactly where the tax is coming from and how much your family keeps.

Identify if your liquid assets can cover the tax bill

If your estate's IHT bill exceeds the liquid assets available at death, the Estate Projector surfaces that shortfall. This can help you evaluate whether life insurance written in trust should be part of your plan, or whether adjusting your withdrawal strategy could reduce the gap before it becomes a problem.

Your estate outcome reflects your strategy

Running a Maximize After-Tax Estate strategy? Your estate is the focal point of every decision in your plan and you will see it grow as high as it can. Running a Maximize Lifetime Spending strategy? Your after-tax estate may be drawn all the way down to zero. The Estate Projector shows you exactly where your plan lands, whatever your goal.