MaxiFi
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MaxiFi applies economic theory to lifetime financial planning, built by economist Laurence Kotlikoff. The engine calculates sustainable spending across your entire life, handles complex Roth conversion strategies, and optimizes tax-efficient withdrawal sequences. It models Social Security claiming decisions and adjusts recommendations based on your specific household situation.
The tool fits people who want a rigorous, academically-grounded retirement plan rather than simple calculators. It's significantly more detailed than rule-of-thumb approaches but requires entering comprehensive financial data upfront.