Optiml feature
Retirement Spending
Plan for spending that changes as you age, with Go-Go, Slow-Go and No-Go years set your way.
Spending that follows your life.
Go-Go for your most active years, Slow-Go as things quiet down, No-Go for the years focused on essentials. You set the ages and the spending level for each phase.
The big moments get their own line.
A trip, a new car, a renovation, a wedding, gifts to your kids or healthcare costs: add each one as a goal, in the year it happens.
How it works
4 steps, start to finish
Enter what you spend today
Your total annual after-tax expenses become the baseline for every year of your plan.
Choose how it changes
Use a fixed growth rate, or Go-Go, Slow-Go and No-Go phases with a preset or your own percentages.
Add the big moments
Vacations, a new car, a renovation or gifts to your kids go in as goals, in the years they happen.
See what your plan can fund
Optiml builds the withdrawals to fund your spending. Run Maximize Retirement Spending to see the most your plan can support.
Good to know
How your spending plan works
Start simple with one growth rate, or shape your spending phase by phase. You can change it any time and see what it does to your plan.
What is Retirement Spending?
You probably won't spend the same amount at 65 and at 85. Optiml starts with your after-tax expenses today and projects them year by year, either at a fixed growth rate or through Go-Go, Slow-Go and No-Go phases. Then it builds your withdrawals to fund them.
Go-Go, Slow-Go and No-Go
Go-Go is your most active phase: travel, dining out and hobbies. Slow-Go is less active but still full of leisure. No-Go focuses on essentials. Each phase has its own level as a percentage of your baseline, where 100% means you spend the same as today.
Presets or your own numbers
Choose Active, Balanced or Conservative, or select Custom and set your own percentage and starting age for each phase.
Any single year
Edit your expenses for a specific year to account for a large purchase, a temporary change or a move into assisted living.
Goals with their own timing
Add vacations, vehicles, boats, renovations, weddings, education, charity, healthcare and gifts to your children. Amounts grow with inflation until the goal date, education can span several years, and donations can earn tax credits.
One household budget
For a couple, Optiml looks at total household expenses each year, so it doesn't matter who pays for what.
Debt payments
Mortgages and debt payments sit alongside your spending, and your plan funds both.
More ways Optiml helps
Real Estate Planning
Your home, cottage, land and rentals, each modelled on its own, with every purchase and sale on the calendar.
Unlimited What-If Scenarios
Test any decision before you make it.
Withdrawal Optimizer
Your withdrawal strategy is built by Optiml, not guessed by you.
Ready to see what you can spend in every phase of retirement?
Take control of your financial future.
Features
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