FI Calc vs MaxiFi
FI Calc
ficalc.app
MaxiFi
maxifi.comSide by side
| Figure | FI Calc | MaxiFi |
|---|---|---|
| Price from | Free | $12.42/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| Plans published | 1 | 2 |
| Spec score · Retirement Planning Software | 7.8 (#11) | 9.0 (#2) |
| Integrations | The maker describes CSV export for further analysis in a spreadsheet application of the user's choice. | The site describes plan sharing with a financial advisor who has a MaxiFi PRO subscription. |
| Purpose | FI Calc uses historical data to evaluate retirement plans and withdrawal strategies. | MaxiFi creates a lifetime financial plan and calculates sustainable annual spending based on income, assets, taxes, Social Security, and other inputs. |
| Support | The maker invites users to contact them by email at [email protected] or on X at @ficalc. | 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. |
Plans
In their own words
FI Calc
FI Calc is a free web calculator for evaluating retirement plans and withdrawal strategies with historical market data. It runs simulations from annual figures covering 1871 through 2024, compiled from Robert Shiller’s data set, while warning that historical results do not guarantee future performance. Users can model equities, bonds and cash, set rebalancing and changing allocations, and add wages, Social Security or extra withdrawals for future expenses. The calculator provides income projection, savings growth projection, withdrawal planning, Social Security modeling and scenario analysis. Simulations can be exported as CSV files for spreadsheet analysis. Inputs are processed in the browser; saved or shared calculations are encoded in URLs that may reach the hosting provider, services and recipients. Google Analytics may receive page URLs containing saved inputs. FI Calc does not automatically model taxes or required minimum distributions and currently has no Monte Carlo simulations. The free plan costs nothing.
MaxiFi
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.