MaxiFi

MaxiFi creates 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. The software 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 how investment strategies and spending behavior affect discretionary spending. MaxiFi also estimates life insurance coverage using contingency plans and provides detailed annual reports with PDF and Excel exports. Plans can be shared with a financial advisor who has a MaxiFi PRO subscription. The 14-day trial includes limited features and comparison of three alternate scenarios; Unlocked is listed at $149 a year. 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. MaxiFi focuses on long-range planning, rather than primarily on asset allocation or historical fund and asset-class performance analysis.

MaxiFi focuses on projecting lifetime finances and comparing decisions, with tax, benefit, and withdrawal planning tools. Its trial is limited, and phone support is not part of the purchase price.

MaxiFi is for people evaluating financial decisions across career, housing, and retirement stages. It is designed for long-range planning rather than asset allocation or historical investment performance analysis.

Overview

MaxiFi builds a lifetime financial plan around sustainable annual spending, combining income, assets, taxes, Social Security and other inputs. It is best suited to people making consequential career, housing or retirement choices who want to compare their effects over time. Its detailed tax and benefit modeling is a strength, but it is not a substitute for portfolio-allocation or historical investment analysis.

Key features

Users can revise a plan and compare alternatives such as changing jobs, buying a home or retiring early. This focus on scenarios makes MaxiFi useful when a decision’s effect on future household spending matters more than a simple retirement-date estimate. Income and savings growth projections, withdrawal planning and detailed tax modeling support that long-range view.

Tax calculations cover federal, state, FICA and IRMAA taxes, alongside Social Security benefits and Medicare Part B premiums. Paid optimizers help users examine Roth conversions, Social Security filing choices and retirement withdrawals. Living Standard Monte Carlo compares how investment strategies and spending behavior affect discretionary spending; it frames risk in terms of lifestyle, rather than analyzing historical fund or asset-class performance.

Insurance planning 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 help users review and share results. Plan sharing is available with a financial advisor who has a MaxiFi PRO subscription.

MaxiFi says customer data is encrypted at rest with AES-256, web traffic uses TLS 1.2 or 1.3, and customer logins require two-factor authentication. Economic Security Planning says it hosts services on AWS and conducts annual third-party penetration tests and at least monthly vulnerability scans. Support is provided through online tickets, 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 a detailed lifetime plan, comparisons of three alternate scenarios, customer support, orientation and office hours, with limited features. It gives prospective users a way to explore the planning approach, but the short term and scenario cap make it a preview rather than an ongoing free option.

Unlocked costs $149 a year, billed $149 /Year. It includes all features, up to 25 Alternative Profiles, annual budgeting and tracking, PDF and Excel exports, and premium optimizers. This is the fit for users who need the full toolkit to compare multiple choices or use retirement optimizers. MaxiFi has no free plan; the paid commitment is harder to justify for someone seeking only basic budgeting or investment analysis.

Platforms

MaxiFi is offered on Android, iOS, Linux, macOS, web and Windows, giving users options across mobile and desktop environments.

Who it's for

MaxiFi suits people at different life stages who need to test how career, housing and retirement decisions could change lifetime spending. It is particularly relevant to users weighing Social Security, tax, Medicare, Roth conversion or withdrawal choices. Those primarily seeking asset allocation guidance or historical fund comparisons should look elsewhere.

Pros and cons

• Pros: Detailed tax, Social Security and Medicare modeling connects planning decisions to projected spending.
• Pros: Scenario comparisons, annual reports and PDF or Excel exports support a structured review of alternatives.
• Pros: Premium optimizers cover Roth conversions, Social Security filing and withdrawals.
• Cons: The trial is limited to 14 days and three alternate scenarios, with no free plan for continued use.
• Cons: Phone support is not included, and advisor sharing requires the advisor to have MaxiFi PRO.
• Cons: The software is not primarily designed for asset allocation or historical investment-performance analysis.

Alternatives

Boldin is worth considering for users who want a freemium option: its free Basic plan includes 100+ inputs, two interactive explorers, 10+ charts and up to five Boldin AI questions per day.

ProjectionLab may suit users who want free access to forecasting, financial planning, Monte Carlo simulations, historical backtesting and flexible modeling.

Retirement Budget Calculator is an alternative for users seeking free basic retirement budgeting and asset tracking, with a premium monthly plan also offered.

RetireSecure is a free web-based alternative.

SquirrelPlan is a free, open-source option available as a self-hosted or web app.

driftcurve is a free alternative with self-hosted and web options, including a default local mode without accounts.

FI Calc offers free web calculator access supported by donations.

Fidelity Planning & Guidance Center is a free web-based option for generating a plan, though investment expenses and account transaction fees may still apply.

For more options, see Retirement Planning Software and Financial Planning Software.

Verdict

Choose MaxiFi if you want to compare major life decisions through a detailed lifetime-spending plan, especially where taxes, Social Security and withdrawal choices matter. Its paid optimizers and exports strengthen that case, but the 14-day, three-scenario trial is only a limited preview. Look elsewhere if you need a free ongoing plan, portfolio allocation guidance or historical investment analysis.