MaxiFi Planner is the world's most powerful, accurate and comprehensive personal financial planning software.

For Households

MaxiFi Planner takes the guesswork out of financial planning, allowing you to build a lifetime financial road map using all your financial data.

It shows you lifetime and annual projections of your income and spending so you can see how you can make your money last and maintain a stable living standard through retirement. Learn more about how MaxiFi Planner works

MaxiFi Planner provides a Base Plan and a Maximized Plan so you can see how to use various strategies to safely increase your fixed and discretionary spending. It can find the best Social Security filing strategy to secure the highest benefits, present a tax-efficient retirement account withdrawal strategy and also show you the value of annuitizing assets.

It also helps households at any stage answer life-changing financial decisions: Should I take that new job? Can I afford a house? Should we move to another state?

Introducing MaxiFi Planner Premium

Manage your living standard risk with our powerful tools

MaxiFi's Living Standard Monte Carlo® simulations show how different investment strategies and spending behaviors impact your bottom line – your living standard.

MaxiFi has two ways to run Living Standard Monte Carlo to help you balance living standard risk and return:

Upside Investing is very simple. You tell MaxiFi about your current and future stock investments and when you'll exit the market. It then builds a base living standard floor assuming all other investments are safe and that your stocks lose all value. As you exit the market, MaxiFi raises your living standard floor based on the simulated amount of stocks that have been converted to safe assets.

Full Risk Investing assumes you spend each year out of all your assets — safe and risky. You tell MaxiFi how you will invest through time and how aggressively you'll spend. This lets you spend more in early years based on the presumption your risky assets will pay off.

Learn More: How Living Standard Monte Carlo® Works

Learn More: MaxiFi Planner's features

MaxiFi Planner is an essential tool. It’s easy to use and we have excellent customer support.

Take control of your financial future starting today!



Standard Premium PRO
Comprehensive Lifetime Financial Plan Yes Yes Yes
Annual Spending Suggestions Yes Yes Yes
Annual Savings Suggestions Yes Yes Yes
Life Insurance Coverage Suggestions Yes Yes Yes
Covers All Social Security Benefits Yes Yes Yes
Incorporates All Social Security Rules and Provisions Yes Yes Yes
Up to Date with Tax Cuts and Jobs Act of 2017 Changes Yes Yes Yes
Up to Date with SECURE Act of 2020 Yes Yes Yes
Handles Roth and Non-Roth Accounts + Roth Conversions Yes Yes Yes
Handles Inherited IRAs Yes Yes Yes
Handles Non-Retirement Assets Yes Yes Yes
Incorporates Federal, State, and FICA Taxes Yes Yes Yes
Considers Medicare Part B Yes Yes Yes
Handles Pensions Yes Yes Yes
Handles 529 Education Savings Plans Yes Yes Yes
Handles Vacation Homes and Real Estate Yes Yes Yes
Maximized Social Security Strategy Yes Yes Yes
Maximized Retirement Account Withdrawal Strategy Yes Yes Yes
Optimizes Retirement Account Withdrawal Start Dates Yes Yes Yes
Create Annual Budget and Track Spending Yes Yes Yes
Unlimited Reports Yes Yes Yes
PDF and Excel Export Yes Yes Yes
Responsive Customer Support Yes Yes Yes
Contingency Planning and Survivor Reports Yes Yes
Living Standard Monte Carlo® Tools Yes Yes
Define Custom Assets and Investment Strategies Yes Yes
Handles Multiple Clients Yes
Customized Report Cover Page Yes

Getting Started is Easy

  • It’s all online—No software to download or install
  • Runs on computers, tablets, and smart phones
  • Minimal, user-friendly data entry
  • Helpful, responsive customer support
  • Safe and secure