Other financial planning programs ask you to guess: How much do you need for a secure financial future?
MaxiFi ends the guesswork.
It’s the only software powerful and accurate enough to calculate your highest sustainable living standard — starting today — with a plan to maintain and raise that amount — for life.
Peace of Mind
Rounding off our list of the best retirement planning softwares is Vanguard’s Retirement Nest Egg Calculator. Vanguard is a revered name in the world of stock broking and it also has some fantastic funds for investors (especially ETFs and mutual funds). The best financial software to manage your money for retirement is made by Personal Capital. One of the best ways to grow your wealth is to leverage financial software to track, measure, and optimize. I’ve used financial software since 1996 to grow my wealth with a simple Excel spreadsheet.
More Money
Smarter Decisions
Step 1 Plan for a Lifetime
Conventional financial planning products use simplistic, outdated “rules of thumb” to “guesstimate” income needs in retirement. They don’t calculate what you can afford to spend every year over the course of your life. We do.
MaxiFi analyzes your current and future finances using powerful algorithms developed by acclaimed economist Laurence Kotlikoff.
We consider earnings, assets, retirement accounts, taxes, Social Security, housing, and other fixed spending to calculate annual discretionary spending budgets that preserve your living standard.
Step 2 Find More Money
MaxiFi’s optimization engine runs thousands of scenarios to find safe ways to improve your standard of living by:
- Maximizing Social Security benefits—determining which benefits to take and when
- Calculating tax efficient retirement withdrawal start dates
- Optimizing use of Roth versus Non-Roth accounts
- Stretching retirement income via inflation-protected annuities
These changes can mean tens to hundreds of thousands of extra dollars in lifetime spending.
Step 3 Make Smarter Decisions
Take the guesswork out of financial decisions at every stage of life––whether you are just starting out, building a family, considering when to retire or wanting to stretch your retirement dollars further.
Run unlimited “What-If“ scenarios to see how different decisions impact your overall financial plan and sustainable standard of living.
Clear charts of annual lifetime income, fixed and discretionary spending, taxes, Social Security benefits, and insurance let you dig into the details.
Step 4 Track Your Progress
When you're happy with your plan, set up your Progress Tracker for the year with a few clicks. This tool helps you visualize and stay on track with your income, spending, and saving targets for the year.
You can review and update your progress at any time from any device, or export your targets and transactions to Excel.
Step 5 Assess Risk and Reward
Investing is risky business. So is spending. Both can be too aggressive or too cautious.
MaxiFi’s Monte Carlo simulations let you compare the living standard risk and reward from different investment strategies and spending behaviors so you can make smart decisions.
Conventional financial planning tools use old-school Monte Carlo. They set a spending target and never change it to reflect reality.
Our state-of-the-art Living Standard Monte Carlo℠ incorporates changing investment returns. If returns are low, MaxiFi adjusts discretionary spending so your living standard remains stable. If returns are high, MaxiFi adjusts spending to reflect improvement.
Time Tested Over 20 Years
We Only Sell Software
Your Data is Secure
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MoneyGuide, Inc. (“MG”), the developer of myMoneyGuide® and moneyguidepro.com, is committed to protecting your privacy and ensuring the security of your information on our website.
Our Privacy Policy has three key elements.
- You were granted access to moneyguidepro.com by a financial advisor. This financial advisor and, if applicable, the firm with whom they are licensed, also has access to your personal information on moneyguidepro.com. Your advisor uses your personal information, in conjunction with our software, to provide customized financial planning reports for you. Your advisor’s use of your data is governed by their firm’s privacy policy. Please contact your financial advisor if you have questions about their firm’s privacy policy.
- Your financial advisor can authorize MG to allow the exchange of data between moneyguidepro.com and other programs or websites that your advisor uses in their business, and your personal information can be included in these data exchanges. Except for data exchanges that have been authorized by your advisor, MG does not disclose or share your personal information with any third party, unless required by law to do so (for example, to comply with a subpoena).
- We use transport layer security (TLS) encryption, which is the industry standard for secure data transfer software, to ensure data you transmit through the Internet is protected against unauthorized access.
What Personal Information Do We Collect and How Do We Use It?
When you register, we will ask you for your name, email address, and contact information, and you will be asked to select a password. You may also be asked to select a user name.
We use your name to personalize your reports generated by the system. We use your email address to confirm your subscription, user name and password, and to provide customer service. As a registered user, when you select the option to create or access your financial plans, we will recognize you by your user name and password (or e-mail address, as applicable). We may also use the contact information we collect to notify you about any new functions included in our software or new services offered by our website.
What Financial Information Do We Collect and How Do We Use It?
Best Retirement Planning Software
To use our software, you or your financial advisor must input personal financial data for you and, if applicable, your co-client. The personal financial data required may include annual income, current values of and annual additions to investment assets, anticipated retirement expenses, and expected values of future assets such as lump sum distributions from pensions or inheritances. In many instances, these entries are optional. This personal financial information will be used by your financial advisor, in conjunction with our software, to develop financial, asset allocation, and income plan(s) or analyses for you.
“Cookies”
“Cookies” are small files used by websites to store information on your computer. For moneyguidepro.com to work properly, your browser must be enabled to accept cookies. Our cookies contain information that identifies you during a session and allows the software to function. This information is not for sale or distribution.
How Do We Protect Your Information?
When you access your financial data, we use a state-of-the-art secure server to keep all your personal information as secure as possible. The transport layer security (TLS) encrypts all information you input before it is sent to us, and all data we collect is protected against unauthorized access. This approach helps ensure that your personal and financial information remains safe and private.
Your Consent
By using our website, you consent to the collection and use of the information described above by moneyguidepro.com. Should we make any changes to our privacy policy, we will post those changes on this page, and your continued use of our website is your consent to those changes.
You also acknowledge that MG may aggregate data from its users and subscribers for the purpose of better understanding its user base and/or to research potential changes in content and services. MG may use this collective information for product research or marketing demographics, but we do not disclose, sell, or distribute any information to a third party where such information could indicate directly or indirectly any individual’s financial information.