MaxiFi
MaxiFi builds a lifetime financial plan and estimates sustainable annual spending from income, assets, taxes, Social Security, and other inputs.
What MaxiFi is
MaxiFi builds a lifetime financial plan and estimates sustainable annual spending from income, assets, taxes, Social Security, and other inputs. Users can revise a plan and compare choices such as changing jobs, buying a home, or retiring early. It calculates federal, state, FICA, and IRMAA taxes, Social Security benefits, and Medicare Part B premiums. Paid features include optimizers for Roth conversions, Social Security filing, and retirement withdrawals. Living Standard Monte Carlo compares the effect of investment strategies and spending behavior on discretionary spending. MaxiFi also estimates life insurance coverage using contingency plans and provides annual reports that can be exported to PDF or Excel. Plans can be shared with a financial advisor who has a MaxiFi PRO subscription. A 14-day trial offers limited features and comparison of three alternate scenarios; the Unlocked plan is listed at $149 a year. Support is provided through online tickets, and phone support is not included. MaxiFi is intended for long-range planning, not primarily asset allocation or historical fund and asset-class performance analysis.
Good
- Compares alternative life and retirement choices
- Models multiple taxes and Social Security benefits
- Includes paid retirement and tax optimizers
- Exports reports to PDF or Excel
- Available on web and listed mobile and desktop platforms
Watch out
- No free plan
- Phone support is not included in the purchase price
- Not primarily an asset allocation tool
- Trial features are limited to three alternate scenarios
Who it suits
It suits people weighing financial choices across career, housing, and retirement stages. It may be useful to those who want to compare scenarios and project taxes, benefits, and spending.
Verdict
MaxiFi focuses on lifetime planning, scenario comparisons, and sustainable spending projections. Its long-range focus and lack of phone support are worth weighing against the planning features you need.
Plans and prices
From MaxiFi's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| 14-Day Trial | Free | Limited features · detailed lifetime plan · 3 alternative scenarios · customer support · orientation and office hours · Free |
| Unlocked | $149 a 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 · $149/Year |
The facts
Each one read from MaxiFi's own pages, with the date it was checked.
Money
- Additional planning modules
- The paid plan supports real estate, annuities, Health Savings Accounts and 529 accounts.checked 15 Oct 2026
- Insurance planning
- MaxiFi calculates life insurance coverage amounts using contingency plans such as downsizing or retiring later after a spouse's death.checked 4 Oct 2026
- Life-insurance planning
- Contingency planning can model events such as downsizing or retiring later after a spouse dies and calculate suggested coverage.checked 15 Oct 2026
What it does
- Advisor integration
- A plan can be shared with a financial adviser who has a MaxiFi PRO subscription.checked 15 Oct 2026
- Budget tracker
- The Budget Tracker monitors annual income, spending and saving targets and can export the budget to Excel.checked 15 Oct 2026
- Developer documentation
- The official support center lists user documentation and account help but no public API, SDK or developer documentation section.checked 15 Oct 2026
- Documentation depth
- The support center contains user-manual articles, quick-start guides, videos, report explanations, screen guides, glossaries and troubleshooting topics.checked 15 Oct 2026
- 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.checked 15 Oct 2026
- Founder
- Laurence Kotlikoff says he founded Economic Security Planning, Inc. in 1993 and serves as CEO.checked 15 Oct 2026
- Hosting
- Economic Security Planning says its services are hosted on Amazon Web Services with redundancy across availability zones.checked 15 Oct 2026
- 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.checked 4 Oct 2026
- Integrations
- The site describes plan sharing with a financial advisor who has a MaxiFi PRO subscription.checked 4 Oct 2026
- Intended users
- The company says MaxiFi can help people make financial decisions at any age and stage, including career, housing, and retirement choices.checked 4 Oct 2026
- Investment customization
- Users can create assets and strategies by entering historical return data from spreadsheets, with whole-percentage returns accepted.checked 15 Oct 2026
- Investment risk
- Living Standard Monte Carlo compares how investment strategies and spending behavior affect discretionary spending.checked 4 Oct 2026
- Licence terms
- The terms govern access to Economic Security Planning’s MaxiFi household and professional SaaS products through individual user accounts.checked 15 Oct 2026
- Lifetime spending calculation
- The software calculates an annual spending level intended to be sustainable for life while preserving a stable living standard.checked 15 Oct 2026
Where it runs
- Alternative scenarios
- Alternative Profiles let users change assumptions and compare effects on spending, assets, taxes, retirement accounts, housing and estate outcomes.checked 15 Oct 2026
The company
- Company founding and size
- LinkedIn lists the company as founded in 1993 with 2–10 employees.checked 15 Oct 2026
- Company headquarters
- LinkedIn lists Economic Security Planning, Inc. in Providence, Rhode Island.checked 15 Oct 2026
- Company history
- Founder Laurence Kotlikoff says he founded Economic Security Planning, Inc. in 1993 to provide economics-based life-cycle financial planning.checked 4 Oct 2026
- Company legal name
- The maker is Economic Security Planning, Inc.checked 15 Oct 2026
- Founded
- 1993checked 28 Sep 2026
- Headquarters
- Providence, Rhode Island, United Stateschecked 28 Sep 2026
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