AI Financial Plan vs. MaxiFi Planner

MaxiFi Planner (from economist Laurence Kotlikoff) uses consumption smoothing — an economics-based approach to determining sustainable spending. AI Financial Plan uses Monte Carlo simulation with deterministic engines. Both aim to answer the same question: how much can you safely spend?

Feature Comparison

Feature	AI Financial Plan	MaxiFi Planner
Methodology	Monte Carlo simulation (10,000 scenarios)	Consumption smoothing (economics-based)
Social Security	Full current-law optimization with breakeven	Comprehensive SS strategy analysis
Tax modeling	Withdrawal sequencing + Roth conversion windows	Tax-efficient withdrawal ordering
Output focus	Success probability across 10,000 scenarios	Maximum sustainable living standard
Insurance analysis	LTC feasibility + pension breakeven	Life insurance and LTC analysis
User interface	Guided conversation with AI explanation	Detailed data entry forms
Report	Comprehensive PDF + interactive dashboard	Detailed projections and recommendations
Updates	Annual refresh available	Continuous access during subscription

Pricing

AI Financial Plan

$89 one-time or $99/year

One-time option available. 30-day money-back guarantee.

MaxiFi Planner

$149-$249/yr

Annual subscription. Premium tier includes more features.

Bottom Line

MaxiFi uses a fundamentally different methodology (consumption smoothing vs. Monte Carlo). Neither approach is inherently superior — they answer slightly different questions. MaxiFi tells you your maximum sustainable spending level; AI Financial Plan tells you the probability of your current plan succeeding across thousands of scenarios. Both provide valuable perspectives on retirement readiness.

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This page is for educational and informational purposes only. It does not constitute investment advice, financial planning advice, or a recommendation to buy or sell any security. AI Financial Plan is not a registered investment adviser, broker-dealer, or financial planner. Feature descriptions are based on publicly available information and may not reflect the most current offerings; AI Financial Plan is not affiliated with any competitors mentioned. Pricing is approximate and subject to change. You should consult with a qualified professional before making financial decisions. Past performance and projected outcomes are not guarantees of future results.