- FeaturesFeaturesHow it WorksUnderstand the MaxiFi features that help you build your lifetime planRoth Conversion OptimizerMaxiFi helps you optimize conversions and reduce taxesUse CasesHow can you put MaxiFi to use?Life Insurance Contingency PlanningGet peace of mind from life insurance recommendations tailored for youLiving Standard Monte CarloManage your living standard risk with confidence
- ServicesServicesOverviewChoose the right level of support for your plan and needsFlight CheckGet off the ground with comprehensive guidanceCo-PilotElevate your financial plan with one of MaxiFi’s certified financial plannersConcierge ServicePersonal, expert support to make the most of your financial plan
Flight Check ServiceAsk your questions and make sure your plan is ready for take off with a MaxiFi expertLearn More - ResourcesResourcesWebinars and PodcastsExpert tips and guides to help you get the maximum from MaxiFiArticlesIn-depth commentary on the financial planning landscapeBooksFrom the world-renowned economist behind MaxiFiBlogInsights to help you optimize your financesFAQYour most pressing questions answeredFinancial GlossaryKey financial concepts explained in detail
- Why MaxiFiMaxiFiEconomics-Based PlanningHow MaxiFi's economics approach gives you a clear view of your financesCase StudiesReal stories about how MaxiFi helps users make smarter decisionsTestimonialsMaxiFi is trusted by households and experts for clarity and confidenceHow MaxiFi ComparesWith so many tools out there, how do you know MaxiFi is right for you?Press and ReviewsRead expert commentary and critical acclaim for MaxiFi
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- AboutCompanyOur VisionThe best person to take control of your financial future is youMedia ResourcesLogos, background information, and media contactsFounder and AdvisorsMeet Laurence Kotlikoff and the visionary MaxiFi teamAffiliate ProgramShare MaxiFi with your audience to help them take control of their financesCareersWhy working at MaxiFi is rewarding, empowering, and impactfulContactQuestions or feedback? Get in touch with the MaxiFi team
Make the Right Choice for Your Financial Plan
Discover your safe spending number and retire with confidence
Start Planning with MaxiFi Today
14-Day Trial
Free
LIMITED FEATURES
Test drive key features of MaxiFi and find your safe spending number.
Detailed lifetime financial plan
Compare 3 alternate scenarios
Responsive customer support
Orientation and Office Hour sessions
Unlocked
$149
/Year
ALL FEATURES
Optimize major decisions and unlock the full power of MaxiFi
All features from 14-day free trial PLUS
Roth Conversion Optimizer
Social Security Maximizer
Retirement Withdrawal Optimizer
Living Standard Monte Carlo®
Life Insurance Contingency Planning
ALL Premium Features (see below)
A credit card is required to start your 14-day free trial. Your card won't be charged until day 15 unless you activate your subscription early. Cancel your free trial at any time.
I assign MaxiFi in my asset management course at MIT's Sloan School of Management as an outstanding science-based lifecycle and retirement management platform.
Robert C. Merton
Professor of Finance, MIT and Nobel Laureate in Economics
I've been using MaxiFi since 2022 and used it to help us decide if we could afford to retire. It helped us make the decision to retire in 2023. It is user friendly, practical, and very well supported by software and economics experts. In using this software, I have become so much more knowledgeable about our finances and feel more confident about our financial decisions.
Anne Taylor
Webster Wisconsin
I discovered MaxiFi in 2020 when I was contemplating early retirement, and it quickly became an indispensable tool for me. As a CPA and a very data-driven decision maker, I was looking for a sophisticated and robust platform that could deliver financial planning insights not readily apparent, even to a numbers-focused CPA like myself. I found exactly what I was looking for in MaxiFi. The platform is designed to handle scenarios simple and complex, and everything in between. When I find myself contemplating a decision that could be material to my financial future, I use MaxiFi to validate my decision-making and to ensure that my retirement plan remains optimized. The team at MaxiFi does an excellent job of supporting the product and they work constantly to enhance its utility. Since I began using MaxiFi, I have never thought once about considering a competing platform to manage my retirement planning; I only wish I could purchase a lifetime subscription to MaxiFi!
Randy
Phoenix, AZ
Getting Started is Easy
14-Day Trial
Free
Unlocked
$149/year
Build your plan
Safe spending number
Detailed lifetime financial plan
Compare alternative what-if scenarios
Build your confidence
Orientation and Office-Hour sessions
Responsive email customer support
Extra paid support available
Optimize major decisions
Roth Conversion Optimizer®
Social Security Maximizer
Retirement Withdrawal Optimizer
Investment Analysis (Living Standard Monte Carlo®)
Investing with a living standard floor (Upside Investing)
Life Insurance Contingency Planning
Track & share
Annual budgeting
Budget tracking
Report exports (PDF and Excel)
Share with your financial advisor*
Refine your plan
Real estate
Annuities
Health Savings Accounts (HSAs)
529 Accounts
A credit card is required to start your 14-day free trial. Your card won't be charged until day 15 unless you activate your subscription early. Cancel your free trial at any time.
* Financial advisor must have a MaxiFi PRO subscription for plan sharing
* Financial advisor must have a MaxiFi PRO subscription for plan sharing
MaxiFi is Powerful, Comprehensive, and Free to Try
With MaxiFi’s Free 14-Day Trial, you can test drive key features to decide if it’s right for you, then unlock full optimization and other premium features with a paid subscription.
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MaxiFi 14-Day Free Trial
MaxiFi is the world's most powerful, accurate and comprehensive personal financial planning software. During your free trial, you can:
- Discover your affordable lifetime and annual spending level.
- Learn how to maintain a stable living standard through retirement.
- Plan in detail with retirement accounts, other assets, pensions, and Social Security.
- See detailed cash flow reports and adjust hundreds of plan settings and assumptions.
- Create up to 3 Alternative Profiles to compare decisions like working longer, retiring early, or moving.
- Learn best practices and get questions answered at Orientation and Office Hours sessions.
MaxiFi takes the guesswork out of financial planning, allowing you to build a lifetime financial road map using all your financial data.
Whatever your stage of life, MaxiFi helps you make the big decisions: Can I retire early? Should I take that new job? Can I afford a house? Should we move to another state?
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MaxiFi Unlocked
Take your planning to the next level with a paid yearly subscription to MaxiFi, which includes all the features of the free trial, but adds powerful advanced features including:
- Roth Conversion Optimizer® - The only tool that optimizes conversions from non-Roth accounts to Roth accounts to find the strategy that minimizes your lifetime taxes so you can spend more in retirement or leave more to heirs.
- Social Security Maximizer - Find the best Social Security filing strategy to secure the highest benefits.
- Retirement Withdrawal Optimizer - Find tax-efficient retirement account withdrawal strategies.
- Living Standard Monte Carlo® - MaxiFi shows how different investment strategies and spending behaviors impact your discretionary spending – your living standard.
- Life Insurance Contingency Planning - Get peace of mind by entering contingency plans – like downsizing your home or retiring later – in case of the untimely death of you or your spouse, so MaxiFi can calculate life insurance coverage amounts with precision.
- Build and track your annual budget
- Export your plan results as PDF or Excel
- Refine your plan with additional modules: real estate, annuities, Health Savings Accounts (HSAs), and 529 Plans.
- Save and run more comparisons with up to 25 Alternative Profiles.
- Share your plan with your advisor who uses MaxiFi PRO