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Make financial decisions with confidence.
Financial planning is stressful enough without handing over control to a busy advisor or inadequate tools. You want a detailed plan you can trust and adjust based on your circumstances and needs.
End the guesswork.
Secure your financial future with MaxiFi.
Peace of Mind
MaxiFi creates a lifetime plan for spending, saving, and insurance to help protect your living standard.
Maximize Your Money
MaxiFi helps boost spending, optimize Social Security, cut taxes, and grow your legacy.
Smarter Decisions
MaxiFi lets you test decisions and see their impact on your living standard now and in the future.
MaxiFi ends the guesswork.
Other personal financial planning tools ask you to guess at income and spending through retirement.
MaxiFi calculates how much you can afford to spend each year for life and provides a plan to sustain, insure, and increase that amount. No other tool can.
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5 Steps to Take Control of Your Financial Future
A complete lifetime roadmap for your income, spending, savings and life insurance needs
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Plan for a Lifetime
MaxiFi tells you what you can afford to spend each year
Built on algorithms by economist Laurence Kotlikoff, MaxiFi calculates your total affordable spending based on income, assets, taxes, Social Security, and more—giving you a clear annual budget that preserves your living standard for life.
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Find More Money
Let MaxiFi do the legwork for you
MaxiFi’s advanced algorithms find safe ways to improve your sustainable discretionary spending by:
- Maximizing Social Security benefits
- Finding the most tax-efficient time to withdraw
- Optimizing use of Roth versus Non-Roth accountsOptimizing Roth conversions
These changes can mean tens to hundreds of thousands of extra dollars in lifetime spending or more money for your heirs.
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Make Smarter Decisions
See the financial impact of life’s big choices
Run unlimited “what-if” scenarios to see how major decisions impact your finances. Whether you’re moving to a different state, starting a family, or thinking of retiring early, MaxiFi shows you the impact on your living standard. Dig into every detail with reports on annual income, fixed and discretionary spending, taxes, Social Security benefits, and life insurance.
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Stay on Budget
Keep on track with MaxiFi’s Budget Tracker
When you're happy with your plan, create a budget with a few clicks. MaxiFi's Budget Tracker tool helps you keep on top of your income, spending, and saving targets for the year. Review and update your progress at any time from any device, or export your budget to Excel.
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Assess Risk and Reward
Find the right balance for you.
Any investment comes with risk, but with MaxiFi’s Living Standard Monte Carlo you can quickly compare the risk and reward of different strategies. Instead of using a fixed spending target, MaxiFi is dynamic. It responds to different investment returns and adjusts accordingly. That lets you compare potential investment returns with ease and make better decisions.
Built by Experts, Trusted by Families
Thousands of households use MaxiFi to take control of their finances.
Do it Yourself, or Do it With Us
MaxiFi is easy to use, but for those who want a little more guidance or just a second pair of eyes, we offer a range of support services from free email support (staffed by actual human experts!), to frequent Office Hours and personalized coaching services.
Leading for 30 Years
First developed by world-renowned economist Laurence Kotlikoff, MaxiFi has been leading the curve in financial planning for three decades.
Support, Not Sales
We don’t sell your data, offer financial products, or manage assets. We simply provide software to help you make smarter financial decisions.
Your Data is Secure
MaxiFi protects your data with bank-level security and industry best practices — no Social Security number or personal ID required.
Easy to Use
MaxiFi is web-based and works on any device. Need help? Access quick tips or reach out to our friendly, expert support team anytime.