MaxiFi vs Moneytree
MaxiFi
maxifi.com
Moneytree
moneytree.comSide by side
| Figure | MaxiFi | Moneytree |
|---|---|---|
| Price from | $12.42/mo | $99.58/mo |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| Plans published | 2 | 3 |
| Spec score · Financial Planning Software | 8.9 (#4) | 7.2 (#26) |
| Company history | Founder Laurence Kotlikoff says he founded Economic Security Planning, Inc. in 1993 to provide economics-based life-cycle financial planning. | Moneytree says it was founded in 1981 and joined Accutech Systems Corporation in 2019. |
| Headquarters | Providence, Rhode Island, United States | Muncie, Indiana, United States |
| 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. | Moneytree says personal information is kept on servers in a controlled, secure environment and that its data storage facilities and engineering are located exclusively in the United States. |
| 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. | The Client Support Team is available Monday through Friday, 8:00 AM to 8:00 PM ET, at 877-421-9815 ext. 0. |
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.