Freedom251 › Financial Planning Software
MaxiFi
What MaxiFi is
MaxiFi builds a lifetime financial plan and estimates sustainable annual spending using inputs such as income, assets, taxes, and Social Security. Users can revise a plan to compare decisions like 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 planning tools include optimizers for Roth conversions, Social Security filing, and retirement withdrawals. Living Standard Monte Carlo compares how investment strategies and spending behavior may affect discretionary spending. MaxiFi also estimates life insurance coverage using contingency plans, and provides annual reports with PDF and Excel exports. Plans can be shared with a financial advisor who has a MaxiFi PRO subscription. A 14-day trial costs nothing and includes limited features and comparisons of up to three alternate scenarios. The Unlocked plan is $149 a year. Support is provided through online tickets; phone support is not included in the purchase price. The software focuses on long-range planning, not primarily asset allocation or historical fund and asset-class performance analysis.
Who it suits
MaxiFi suits people evaluating career, housing, and retirement choices at different ages and stages. It may also suit users who want to model taxes, benefits, and spending over a lifetime.
What it does well
- Compares alternative plans for major life decisions.
- Models several taxes, Social Security, and Medicare Part B premiums.
- Includes annual reports with PDF and Excel exports.
- Offers a 14-day trial.
What to know first
- No free plan is listed.
- Unlocked costs $149 a year.
- Phone support is not included in the purchase price.
- Not primarily an asset allocation or performance-analysis tool.
Limits
The 14-day trial has limited features and allows comparison of three alternate scenarios. The Unlocked plan is $149 a year and includes up to 25 Alternative Profiles.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| 14-Day Trial | Free · Limited features · detailed lifetime plan · 3 alternative scenarios · customer support · orientation and office hours | Free |
| Unlocked | $149/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 a year |
As maxifi.com lists them, read 15 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the MaxiFi website.
- Start the 14-Day Trial or choose the Unlocked plan.
- Enter income, assets, taxes, Social Security, and other plan inputs.
- Update assumptions to compare alternative choices.
- Review annual reports or export results as PDF or Excel.
Verdict
MaxiFi is designed to connect long-range financial choices with projected spending, taxes, and benefits. Its trial allows comparisons of up to three scenarios, while paid features add planning optimizers.
Questions
How much does MaxiFi cost?
The site lists pricing from $109/yr. The Unlocked plan is listed at $149 a year.
Does MaxiFi have a free plan or trial?
There is no free plan. A 14-day trial is available with limited features and up to three alternate scenarios.
Which platforms does MaxiFi support?
The listed platforms are Android, iOS, Linux, macOS, web, and Windows.
Can I share a plan with a financial advisor?
Yes. Plans can be shared with a financial advisor who has a MaxiFi PRO subscription.
What does the Unlocked plan include?
It includes all features, up to 25 Alternative Profiles, annual budgeting and tracking, PDF and Excel exports, and premium optimizers.
Who makes MaxiFi?
Economic Security Planning, Inc. makes MaxiFi. Founder Laurence Kotlikoff says he founded the company in 1993 to provide economics-based life-cycle financial planning.
Facts from MaxiFi's own pages
- Additional planning modules
- The paid plan supports real estate, annuities, Health Savings Accounts and 529 accounts. · maxifi.com, 15 Oct 2026
- Advisor integration
- A plan can be shared with a financial adviser who has a MaxiFi PRO subscription. · maxifi.com, 15 Oct 2026
- Alternative scenarios
- Alternative Profiles let users change assumptions and compare effects on spending, assets, taxes, retirement accounts, housing and estate outcomes. · support.maxifi.com, 15 Oct 2026
- Budget tracker
- The Budget Tracker monitors annual income, spending and saving targets and can export the budget to Excel. · maxifi.com, 15 Oct 2026
- Company founding and size
- LinkedIn lists the company as founded in 1993 with 2–10 employees. · linkedin.com, 15 Oct 2026
- Company headquarters
- LinkedIn lists Economic Security Planning, Inc. in Providence, Rhode Island. · linkedin.com, 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. · maxifi.com, 4 Oct 2026
- Company legal name
- The maker is Economic Security Planning, Inc. · maxifi.com, 15 Oct 2026
- Developer documentation
- The official support center lists user documentation and account help but no public API, SDK or developer documentation section. · support.maxifi.com, 15 Oct 2026
- Documentation depth
- The support center contains user-manual articles, quick-start guides, videos, report explanations, screen guides, glossaries and troubleshooting topics. · support.maxifi.com, 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. · maxifi.com, 15 Oct 2026
- Founded
- 1993 · maxifi.com, 28 Sept 2026
- Founder
- Laurence Kotlikoff says he founded Economic Security Planning, Inc. in 1993 and serves as CEO. · maxifi.com, 15 Oct 2026
- Headquarters
- Providence, Rhode Island, United States · maxifi.com, 28 Sept 2026
- Hosting
- Economic Security Planning says its services are hosted on Amazon Web Services with redundancy across availability zones. · maxifi.com, 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. · maxifi.com, 4 Oct 2026
- Insurance planning
- MaxiFi calculates life insurance coverage amounts using contingency plans such as downsizing or retiring later after a spouse's death. · maxifi.com, 4 Oct 2026
- Integrations
- The site describes plan sharing with a financial advisor who has a MaxiFi PRO subscription. · maxifi.com, 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. · maxifi.com, 4 Oct 2026
- Investment customization
- Users can create assets and strategies by entering historical return data from spreadsheets, with whole-percentage returns accepted. · support.maxifi.com, 15 Oct 2026
- Investment risk
- Living Standard Monte Carlo compares how investment strategies and spending behavior affect discretionary spending. · maxifi.com, 4 Oct 2026
- Licence terms
- The terms govern access to Economic Security Planning’s MaxiFi household and professional SaaS products through individual user accounts. · maxifi.com, 15 Oct 2026
- Life-insurance planning
- Contingency planning can model events such as downsizing or retiring later after a spouse dies and calculate suggested coverage. · maxifi.com, 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. · maxifi.com, 15 Oct 2026
Where MaxiFi stands on Freedom251
- Financial Planning Software#12 of 34
- Retirement Planning Software#18 of 26