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MaxiFi

maxifi.com

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Spec score 9.0 #2 of 26 in Retirement Planning Software

What it is

MaxiFi builds a lifetime financial plan and estimates sustainable annual spending using income, assets, taxes, Social Security and other inputs. You can revise the plan to compare choices such as changing jobs, buying a home or retiring early. It models federal, state, FICA and IRMAA taxes, Social Security benefits and Medicare Part B premiums. Paid optimizers cover Roth conversions, Social Security filing and retirement withdrawals. Living Standard Monte Carlo compares how investment strategies and spending behavior affect discretionary spending; the software also estimates life insurance needs using contingency plans. Annual reports can be exported as PDF or Excel files, and plans can be shared with an advisor who has a MaxiFi PRO subscription. MaxiFi is available on Android, iOS, Linux, macOS, web and Windows. It offers a 14-day trial with limited features and comparison of three alternate scenarios. The Unlocked plan is listed at $149 a year. Support is through online tickets; phone support is not included.

Spec sheet

What it does
MaxiFi builds economics-based lifetime financial plans that calculate affordable spending from income, assets, taxes, Social Security and other household data.Read 15 Oct 2026 · maxifi.com
Purpose
MaxiFi creates a lifetime financial plan and calculates sustainable annual spending based on income, assets, taxes, Social Security, and other inputs.Read 4 Oct 2026 · maxifi.com
Intended users
The company says MaxiFi can help people make financial decisions at any age and stage, including career, housing, and retirement choices.Read 4 Oct 2026 · maxifi.com
Platforms
The web-based software works on Windows, Mac OS, and Linux with supported browsers, and on most common tablets and phones.Read 4 Oct 2026 · maxifi.com
Integrations
The site describes plan sharing with a financial advisor who has a MaxiFi PRO subscription.Read 4 Oct 2026 · maxifi.com
Security
The company says customer data is encrypted at rest with AES-256 and web traffic uses TLS 1.2 or 1.3; it also requires two-factor authentication for customer logins.Read 4 Oct 2026 · maxifi.com
Support
Support is provided through online tickets, with listed contact hours Monday through Friday, 8 a.m. to 8 p.m. Eastern; phone support is not included in the purchase price.Read 4 Oct 2026 · maxifi.com
Headquarters
Providence, Rhode Island, United StatesRead 28 Sep 2026 · maxifi.com
Founded
1993Read 28 Sep 2026 · maxifi.com
Additional planning modules
The paid plan supports real estate, annuities, Health Savings Accounts and 529 accounts.Read 15 Oct 2026 · maxifi.com
Advisor integration
A plan can be shared with a financial adviser who has a MaxiFi PRO subscription.Read 15 Oct 2026 · maxifi.com
Alternative scenarios
Alternative Profiles let users change assumptions and compare effects on spending, assets, taxes, retirement accounts, housing and estate outcomes.Read 15 Oct 2026 · support.maxifi.com
Budget tracker
The Budget Tracker monitors annual income, spending and saving targets and can export the budget to Excel.Read 15 Oct 2026 · maxifi.com
Company founding and size
LinkedIn lists the company as founded in 1993 with 2–10 employees.Read 15 Oct 2026 · linkedin.com
Company headquarters
LinkedIn lists Economic Security Planning, Inc. in Providence, Rhode Island.Read 15 Oct 2026 · linkedin.com
Company history
Founder Laurence Kotlikoff says he founded Economic Security Planning, Inc. in 1993 to provide economics-based life-cycle financial planning.Read 4 Oct 2026 · maxifi.com
Company legal name
The maker is Economic Security Planning, Inc.Read 15 Oct 2026 · maxifi.com
Developer documentation
The official support center lists user documentation and account help but no public API, SDK or developer documentation section.Read 15 Oct 2026 · support.maxifi.com
Documentation depth
The support center contains user-manual articles, quick-start guides, videos, report explanations, screen guides, glossaries and troubleshooting topics.Read 15 Oct 2026 · support.maxifi.com
Financial-advice disclaimer
The company says its software outputs are educational and do not constitute financial or investment advice, and it does not guarantee a secure plan.Read 15 Oct 2026 · maxifi.com
Founder
Laurence Kotlikoff says he founded Economic Security Planning, Inc. in 1993 and serves as CEO.Read 15 Oct 2026 · maxifi.com
Hosting
Economic Security Planning says its services are hosted on Amazon Web Services with redundancy across availability zones.Read 15 Oct 2026 · maxifi.com
Hosting and testing
Economic Security Planning says it hosts services on AWS and conducts annual third-party penetration tests and at least monthly vulnerability scans.Read 4 Oct 2026 · maxifi.com
Insurance planning
MaxiFi calculates life insurance coverage amounts using contingency plans such as downsizing or retiring later after a spouse's death.Read 4 Oct 2026 · maxifi.com
Investment customization
Users can create assets and strategies by entering historical return data from spreadsheets, with whole-percentage returns accepted.Read 15 Oct 2026 · support.maxifi.com
Investment risk
Living Standard Monte Carlo compares how investment strategies and spending behavior affect discretionary spending.Read 4 Oct 2026 · maxifi.com
Licence terms
The terms govern access to Economic Security Planning’s MaxiFi household and professional SaaS products through individual user accounts.Read 15 Oct 2026 · maxifi.com
Life-insurance planning
Contingency planning can model events such as downsizing or retiring later after a spouse dies and calculate suggested coverage.Read 15 Oct 2026 · maxifi.com
Lifetime spending calculation
The software calculates an annual spending level intended to be sustainable for life while preserving a stable living standard.Read 15 Oct 2026 · maxifi.com
Limit: manual data entry
The Finance Buff review says MaxiFi does not link financial accounts or ask for individual investments, requiring users to enter account totals and assumed returns manually.Read 15 Oct 2026 · thefinancebuff.com
Limit: recurring cost
Moneywise listed the lack of a free plan or free trial and annual renewal costs as drawbacks in its review.Read 15 Oct 2026 · moneywise.com
Limit: transparency and assumptions
Rob Berger reported that spending calculations did not address sequence-of-returns risk, defaults felt conservative and the calculation methods were difficult to understand.Read 15 Oct 2026 · buzzsprout.com
Monte Carlo analysis
Living Standard Monte Carlo compares investment strategies and spending behavior by showing effects on discretionary spending and living-standard risk.Read 15 Oct 2026 · support.maxifi.com
Notable limitation
MaxiFi is a long-range planning tool and is not primarily an asset allocation tool or an analyzer of historical fund or asset-class performance.Read 4 Oct 2026 · maxifi.com
Notable news: Upside Investing
An Access Newswire release dated July 20, 2022 announced MaxiFi’s Upside Investing feature, which sets a living-standard floor and uses Monte Carlo simulations for potential upside.Read 15 Oct 2026 · accessnewswire.com
Optimization
Paid features include Roth conversion, Social Security filing, and retirement withdrawal optimizers.Read 4 Oct 2026 · maxifi.com
Platform compatibility
The product is web based and works on modern Windows, Mac OS and Linux browsers; common phones and tablets are also supported.Read 15 Oct 2026 · support.maxifi.com
Praise: comprehensive planning
Moneywise praised the software’s analysis tools, future-focused retirement planning, Monte Carlo simulations and Social Security optimization.Read 15 Oct 2026 · moneywise.com
Praise: ease and Social Security
Rob Berger’s review praised easy data entry and described MaxiFi’s Social Security tool as robust, including SSA earnings-history upload.Read 15 Oct 2026 · buzzsprout.com
Praise: realistic retirement spending
Kiplinger described MaxiFi as useful for DIY users seeking a realistic assessment of sustainable retirement spending and highlighted its consumption-smoothing approach.Read 15 Oct 2026 · kiplinger.com
Rating on Capterra
No active MaxiFi listing was found, so no rating or review count is available.Read 15 Oct 2026 · checkthat.ai
Rating on G2
No MaxiFi product listing was found, so no rating or review count is available.Read 15 Oct 2026 · checkthat.ai
Rating on Trustpilot
No accessible MaxiFi review data was found, so no rating or review count is available.Read 15 Oct 2026 · checkthat.ai
Rating on TrustRadius
No MaxiFi product page was found, so no rating or review count is available.Read 15 Oct 2026 · checkthat.ai
Report exports
Paid subscriptions can export plan results as PDF or Excel files.Read 15 Oct 2026 · maxifi.com
Reports and exports
Users can review detailed annual reports and export plan results as PDF or Excel files.Read 4 Oct 2026 · maxifi.com
Retirement withdrawal optimization
The Retirement Withdrawal Optimizer evaluates tax-efficient withdrawal strategies for retirement accounts.Read 15 Oct 2026 · maxifi.com
Roth conversion optimization
The Roth Conversion Optimizer compares conversions from non-Roth accounts to reduce lifetime taxes or increase spending and bequests.Read 15 Oct 2026 · maxifi.com
Scenario planning
Users can update their plan and compare alternative choices such as changing jobs, buying a home, or retiring early.Read 4 Oct 2026 · maxifi.com
Security availability
The security page describes an AWS-backed uptime promise of at least 99%, excluding scheduled downtime and certain incidents.Read 15 Oct 2026 · maxifi.com
Security controls
The company states that it uses AES-256 encryption at rest, TLS 1.2 or 1.3 in transit, mandatory two-factor authentication, daily backups, monthly vulnerability scans and annual penetration testing.Read 15 Oct 2026 · maxifi.com
Social Security optimization
The Social Security Maximizer evaluates filing strategies to seek higher lifetime benefits.Read 15 Oct 2026 · maxifi.com
SSA data import
The learning center recommends downloading Social Security earnings history from SSA.gov as an XML file for import.Read 15 Oct 2026 · support.maxifi.com
Support model
MaxiFi advertises free email support from human experts, Office Hours and paid coaching services.Read 15 Oct 2026 · maxifi.com
Tax and benefits
The software calculates federal, state, FICA, and IRMAA taxes, Social Security benefits, and Medicare Part B premiums.Read 4 Oct 2026 · maxifi.com
Tax modeling
Plans include federal, state, FICA and IRMAA tax calculations plus Medicare Part B premiums.Read 15 Oct 2026 · maxifi.com

Plans and prices

14-Day Trial Free Free Limited features · detailed lifetime plan · 3 alternative scenarios · customer support · orientation and office hours Read 15 Oct 2026 · maxifi.com
Unlocked $149 a year $149/Year All features · up to 25 Alternative Profiles · Roth Conversion Optimizer · Social Security Maximizer · Retirement Withdrawal Optimizer · Living Standard Monte Carlo · life-insurance contingency planning · PDF and Excel exports Read 15 Oct 2026 · maxifi.com

Every MaxiFi plan and price →

Strong points and limits

Strong points

  • Models taxes, Social Security and Medicare Part B premiums
  • Compares alternative life and retirement choices
  • Exports detailed annual reports to PDF or Excel
  • Offers a 14-day trial with three alternate scenarios

Limits

  • No free plan
  • Phone support is not included in the purchase price
  • Not primarily an asset allocation tool

Who it suits

MaxiFi suits people making long-range financial decisions about career, housing or retirement. It is not primarily an asset allocation or historical fund-performance analysis tool.

MaxiFi in depth

Read the full write-up

MaxiFi is a long-range financial planning tool for people weighing career, housing and retirement choices. It is strongest when tax, benefit and spending projections need to be considered together, rather than when the main task is choosing investments.

Its central appeal is a lifetime plan built around sustainable spending; the trade-off is that the most extensive optimization and reporting features sit behind a paid subscription.

Overview

MaxiFi projects annual finances from income, assets, taxes, Social Security and other inputs, then supports comparisons between decisions such as changing jobs, buying a home or retiring early. That makes it relevant well before retirement: a change in work or housing can be considered as part of a household’s longer financial path, not in isolation.

The company, Economic Security Planning, was founded in 1993 by economist Laurence Kotlikoff to provide economics-based life-cycle planning. MaxiFi is not primarily an asset-allocation product or a tool for studying historical fund and asset-class performance. Investors looking for those analyses should choose a different kind of software.

Key features

Tax modeling includes federal, state, FICA and IRMAA taxes, along with Social Security benefits and Medicare Part B premiums. This breadth is useful for retirement decisions where taxes and benefits can materially affect spendable income. Paid optimizers cover Roth conversions, Social Security filing and retirement withdrawals, giving users additional ways to evaluate those choices within the plan.

Living Standard Monte Carlo compares how investment strategies and spending behavior affect discretionary spending. Its emphasis is on the effect of uncertainty on lifestyle, rather than on historical asset-class performance. MaxiFi also estimates life insurance coverage using contingency plans, including downsizing or retiring later after a spouse’s death.

Detailed annual reports and PDF or Excel exports support reviewing or sharing results. A plan can be shared with a financial advisor who has a MaxiFi PRO subscription; this is useful for an existing advisor relationship, but it is not a substitute for access to that PRO account.

Security measures include AES-256 encryption at rest, TLS 1.2 or 1.3 for web traffic and mandatory two-factor authentication for customer logins. The company says its services are hosted on AWS, with annual third-party penetration tests and vulnerability scans at least monthly. Support is handled through online tickets, with contact hours Monday through Friday, 8 a.m. to 8 p.m. Eastern; phone support is not included in the purchase price.

Pricing

The 14-Day Trial costs nothing and includes limited features, a detailed lifetime plan, comparison of three alternate scenarios, customer support, orientation and office hours. It offers a useful short evaluation window, but the three-scenario cap and limited feature set make it a preview rather than a full planning setup.

Unlocked costs $149 a year, billed $149 /Year. It adds all features, up to 25 Alternative Profiles, annual budgeting and tracking, PDF and Excel exports, and premium optimizers. This is the appropriate plan for users who need the full optimizer suite or want to keep multiple alternatives alongside annual budgeting; those who only need a brief look can start with the trial, but it does not provide the same feature access.

Platforms

MaxiFi supports Android, iOS, Linux, macOS, web and Windows, giving it broad device and operating-system coverage. The platform list does not indicate a separate native application for each system, so users should confirm the experience they need before committing.

Who it's for

MaxiFi suits people at different life stages who want to connect work, housing, retirement, taxes and benefits to a sustainable spending plan. It is especially relevant for households comparing long-range scenarios or modeling Social Security and retirement withdrawals. It is a poor fit for someone whose priority is asset allocation or analysis of historical investment returns.

Pros and cons

Integrated lifetime planning: income, assets, spending, taxes, Social Security and Medicare Part B premiums are considered within one projection, which helps with decisions that span several parts of household finances.

Meaningful scenario and optimization tools: alternate profiles and paid optimizers support comparisons involving retirement timing, Roth conversions, Social Security filing and withdrawals.

Useful portability and review options: annual reports and PDF or Excel exports make results easier to examine or share, while advisor sharing supports collaboration with a MaxiFi PRO subscriber.

Paid access is required for the full toolkit: the trial limits features and scenarios, while Unlocked is $149 a year.

Investment analysis is outside its main purpose: it is not designed primarily for asset allocation or historical fund and asset-class comparisons.

Support excludes phone service: customers rely on online tickets rather than included phone support.

Alternatives

Boldin is worth considering for people who want a free starting tier: its Basic plan includes 100+ inputs, two interactive explorers, 10+ charts and up to five Boldin AI questions per day. ProjectionLab is another free-tier option, with forecasting, financial planning, Monte Carlo simulations, historical backtesting and flexible modeling in Basic; it may suit users who specifically want backtesting, an area outside MaxiFi’s primary focus.

Flexible Retirement Planner is free for individual non-commercial use and may suit readers seeking a no-cost retirement planning option. RetireePlan is a free, open-source alternative. SquirrelPlan is free and open source, with a client-side, single-page web application. Retireator is a free, open-source retirement simulator. RetireSecure is free to use.

For broader comparisons, see Retirement Planning Software and Financial Planning Software.

Verdict

Choose MaxiFi if you want a detailed, lifetime view of sustainable spending and need to compare career, housing or retirement decisions alongside taxes and benefits. Its integrated modeling and paid optimizers are the case for buying it; its subscription cost, lack of included phone support and limited role in investment analysis are reasons to look elsewhere.

Verdict

MaxiFi brings long-term spending, tax and retirement scenarios into one planning tool. Consider whether that focus fits your needs, and note that phone support is excluded from the purchase price.

Where Specifiction places it

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