MaxiFi vs Moneysmart Retirement Planner
MaxiFi
maxifi.com
Moneysmart Retirement Planner
moneysmart.gov.auSide by side
| Figure | MaxiFi | Moneysmart Retirement Planner |
|---|---|---|
| Price from | $12.42/mo | Free |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| Plans published | 2 | 1 |
| Spec score · Retirement Planning Software | 9.0 (#2) | 7.4 (#21) |
| Integrations | The site describes plan sharing with a financial advisor who has a MaxiFi PRO subscription. | The planner can estimate Centrelink entitlement, but the page does not describe an account connection or data integration. |
| Purpose | MaxiFi creates a lifetime financial plan and calculates sustainable annual spending based on income, assets, taxes, Social Security, and other inputs. | The planner estimates retirement income, helps users check progress toward retirement goals and helps create a retirement plan. |
| 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. | Moneysmart says its website uses firewalls, security patches, regular security testing and data encryption, and complies with the Australian Government Protective Security Policy Framework and Information Security Manual. |
| 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. | Moneysmart does not have a call centre and directs users to its page feedback form for comments or complaints. |
Plans
In their own words
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.
Moneysmart Retirement Planner
Moneysmart Retirement Planner has no write-up on Specifiction yet; its figures are above.