MaxiFi vs The Complete Retirement Planner

MaxiFi7.4Visit TCThe Complete Retirement Planner7.6Visit

MaxiFi #3 in Retirement Planning Software 7.4/10 From $109/yr ✓ 5 of 5 features Visit MaxiFi

vs

Higher score TC The Complete Retirement Planner #5 in Retirement Planning Software 7.6/10 From $89.99 ✓ 5 of 5 features Visit The Planner

• MaxiFi fits best

  Multi-platform users wanting deep annual planning

• The Complete Retirement Planner fits best

  U.S. households wanting a low-cost one-time purchase

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. It never changes our verdict. How we rank.

Side by side

Feature	MaxiFi 7.4/10 Visit ↗	TCThe Complete Retirement Planner 7.6/10 Visit ↗
At a glance
Editor score	7.4	7.6
Ranking	#3 in Retirement Planning Software	#5 in Retirement Planning Software
Best for	Multi-platform users wanting deep annual planning	U.S. households wanting a low-cost one-time purchase
Pricing model	Paid	Paid
Starting price	Not published	Not published
Free plan	—	—
Free trial	—	—
Deployment	Cloud, Desktop, Mobile	Desktop
Platforms	Web, Windows, macOS, Linux, iOS, Android	Windows, macOS
Features MaxiFi 5/5 · The Complete Retirement Planner 5/5
Income projection	✓	✓
Savings growth projection	✓	✓
Withdrawal planning	✓	✓
Social Security modeling	✓	✓
Scenario analysis	✓	✓
Specs
Tax modeling	Detailed	Detailed
Account synchronization	Not published	None
Our review
Pros	Projects lifetime income, spending, savings, withdrawals, taxes, and benefits Optimizes Social Security timing and retirement-account withdrawals Supports scenario analysis, Roth conversions, and Monte Carlo risk analysis	Projects income, expenses, savings, taxes, and distributions year by year Models Social Security, RMDs, Roth conversions, Medicare, and healthcare costs Supports what-if scenarios and sequence-of-returns testing
Cons	There is no free plan Living Standard Monte Carlo and Roth optimization require Premium Annual Flight Check Service and expert support require Premium Plus	Requires paid Microsoft Excel 2016 or later Uses user-entered financial information rather than account syncing Available as a downloadable Excel tool, not a cloud-based planner
Our verdict	MaxiFi builds lifetime financial plans from household earnings, assets, retirement accounts, pensions, Social Security, taxes, housing costs, and other receipts and expenses. It is aimed at households and financial planners who want to… Read the review →	The Complete Retirement Planner is downloadable Microsoft Excel software for households planning before or during retirement. It builds year-by-year projections from user-entered financial information, covering income, expenses, savings,… Read the review →

Strengths and trade-offs

• MaxiFi — where it wins

  • Projects lifetime income, spending, savings, withdrawals, taxes, and benefits
  • Optimizes Social Security timing and retirement-account withdrawals
  • Supports scenario analysis, Roth conversions, and Monte Carlo risk analysis

  Where it doesn't

  • There is no free plan
  • Living Standard Monte Carlo and Roth optimization require Premium
  • Annual Flight Check Service and expert support require Premium Plus

• The Complete Retirement Planner — where it wins

  • Projects income, expenses, savings, taxes, and distributions year by year
  • Models Social Security, RMDs, Roth conversions, Medicare, and healthcare costs
  • Supports what-if scenarios and sequence-of-returns testing

  Where it doesn't

  • Requires paid Microsoft Excel 2016 or later
  • Uses user-entered financial information rather than account syncing
  • Available as a downloadable Excel tool, not a cloud-based planner

• MaxiFi7.4/10 · From $109/yr

  Deep lifetime and retirement planning across web, desktop, and mobile for an annual fee.

  Visit MaxiFiFull verdict →
• TCThe Complete Retirement Planner7.6/10 · From $89.99

  A one-time Excel planner for year-by-year retirement, tax, and Social Security modeling.

  Visit The PlannerFull verdict →