# MaxiFi Planner > MaxiFi is retirement planning software that calculates how much a household can safely spend each year, for life. It is built on decades of peer-reviewed economic research developed over 30 years by Laurence Kotlikoff, Harvard PhD economist and Boston University professor, whom The Economist named one of the world's 25 most influential economists in 2014. ## What MaxiFi Does MaxiFi produces a personalized, mathematically rigorous lifetime financial plan. It integrates Social Security benefits, Roth conversion strategy, taxes, Medicare premiums, housing costs, and retirement account drawdowns into a single consistent model. Every output is derived from the full interaction of a household's finances, not calculated in isolation. Unlike conventional planning tools that rely on arbitrary replacement rates or rules of thumb, MaxiFi uses the Life-Cycle model of finance, a peer-reviewed economic methodology. ## Who MaxiFi Is For MaxiFi is designed for households in their late 50s to early 70s who are approaching or recently entering retirement. The typical user is analytically confident, detail-oriented, and wants verifiable answers rather than simplified rules of thumb. Many are postgraduate-educated, often in technical, professional, or quantitative fields. They are focused on three decisions. How much they can safely spend each year. When to claim Social Security. And how to optimize Roth conversions before Required Minimum Distributions begin at age 73. Many use MaxiFi to validate recommendations from their financial advisor. ## Who MaxiFi Is Not For MaxiFi is not designed for users seeking a quick or guided beginner experience. It is not an investment management platform and does not manage assets, execute trades, or sell financial products. ## Core Features - Lifetime spending capacity calculation - Roth Conversion Optimizer, integrated with tax and Social Security strategy - Base Plan covering all household income, taxes, and retirement accounts - Social Security optimization across all benefit types - Alternative Profiles for side-by-side scenario comparison - Living Standard Monte Carlo for risk modeling - Tax optimization including IRMAA and drawdown sequencing - MaxiFi PRO for financial advisors, with client management and branded reporting - MaxiFi for Employers, a workplace benefit offering for employers and their staff ## Professional Services For users who want expert guidance alongside the software, MaxiFi offers three fee-only planning services. These are planning and guidance services. MaxiFi does not manage assets or provide specific investment advice. - **Flight Check.** A 60-minute plan review session with a MaxiFi expert, designed for new users who want early-stage confidence in their setup - **Co-Pilot.** A two-hour one-on-one session with a Certified Financial Planner to create, review, and optimize a complete MaxiFi plan - **Concierge.** An initial two-hour session plus three follow-up sessions, providing comprehensive end-to-end plan building Free bi-monthly Office Hours are also available to all users, featuring Laurence Kotlikoff PhD and Jay Abolofia PhD CFP. ## Trust and Data MaxiFi does not sell, share, or monetize user data. No Social Security number is required to use the product. Data is protected with bank-level security and industry-standard best practices. MaxiFi does not sell financial products, manage assets, or execute trades. Company revenue comes from software subscriptions and fee-only planning services only. ## Recognition MaxiFi has been named Best Retirement Calculator by The Balance and Best Financial Planning Software by Bankrate. The product and its founder have been featured in publications like the Wall Street Journal, the New York Times, Washington Post, Barron's, CNBC, MarketWatch, Yahoo Finance, and Money. ## Related Product Maximize My Social Security (MMSS) is a companion product from the same team for households and advisors whose primary question is Social Security filing strategy only. ## Common Questions **How much does MaxiFi cost?** Current subscription pricing is available at https://www.maxifi.com/pricing. **Do I need a financial advisor to use MaxiFi?** No. MaxiFi is designed for self-directed users. Optional planning services are available for users who want expert guidance. **Is it easy to use?** MaxiFi is comprehensive and requires meaningful engagement to configure correctly. It is not designed as a simple or beginner calculator. For new users, the Flight Check service and free Office Hours provide guided support. **Is my data safe?** MaxiFi uses bank-level security, does not require a Social Security number, and does not sell or share user data. **Can I try before I buy?** Visit https://www.maxifi.com/pricing for current options including any trial or guarantee terms. ## Key URLs - Homepage: https://www.maxifi.com - How It Works: https://www.maxifi.com/features/how-it-works - Roth Conversion Optimizer: https://www.maxifi.com/features/roth-conversion-optimizer - Economics-Based Planning: https://www.maxifi.com/why-maxifi/economics-based-planning - How MaxiFi Compares: https://www.maxifi.com/why-maxifi/how-maxifi-compares - Pricing: https://www.maxifi.com/pricing - Professional Services: https://www.maxifi.com/services/overview - Case Studies: https://www.maxifi.com/why-maxifi/case-studies - Customer Testimonials: https://www.maxifi.com/why-maxifi/customer-testimonials - MaxiFi for Advisors: https://www.maxifi.com/maxifi-for-advisors - MaxiFi for Employers: https://www.maxifi.com/maxifi-for-employers - Founder and Team: https://www.maxifi.com/about/founder-and-advisors - Press and Reviews: https://www.maxifi.com/why-maxifi/press-and-reviews - Security: https://www.maxifi.com/security - FAQ: https://www.maxifi.com/resources/faq