MaxiFi review
Deep lifetime and retirement planning across web, desktop, and mobile for an annual fee.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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 examine how income, spending, savings, and withdrawals may develop over time. The planning focus is broad: reports cover income, spending, savings, withdrawals, taxes, and Social Security, while scenario tools let users compare possible choices. It runs on web, Windows, macOS, Linux, iOS, and Android, making it an option for people who want access across desktop and mobile platforms.
The annual plans differ chiefly in their added analysis and services. Standard costs $109 per year and includes a lifetime financial plan, scenario comparisons, unlimited reports, and retirement withdrawal and Social Security timing optimization. Premium costs $149 per year and adds Living Standard Monte Carlo, Roth Conversion Optimizer, and Life Insurance Contingency Planning. Premium Plus costs $359 per year, includes all Premium features, and adds an Annual Flight Check Service and expert support. There is no free plan, so buyers should choose based on whether the additional analysis or included service warrants the higher annual price.
MaxiFi is particularly suited to people weighing linked retirement decisions rather than looking only for a basic savings projection: its feature set includes tax modeling, Social Security filing strategy, withdrawal-order optimization, Roth conversion analysis, budgeting with Excel export, and living-standard risk analysis. That breadth may be more than needed for someone who wants a simple retirement calculator or a lightweight budget tool. The Standard plan covers core lifetime and withdrawal planning; buyers who want Monte Carlo or Roth analysis need Premium, while those seeking the included annual review service and expert support need Premium Plus. Households and planners looking for detailed annual planning across platforms are the clearest fit; people prioritizing a free option or a narrower tool should look elsewhere.
MaxiFi pros and cons
- 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
MaxiFi fact sheet, pricing and score →
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