Life Cycle Planning

Economic Security Planning, Inc. provides the nation's most powerful and comprehensive financial planning tools and hands on calculation services to households and financial planners. Our unique, widely acclaimed, and highly affordable products were developed by Boston University Professor Laurence Kotlikoff—one of our nation's leading economists and the company's founder.

You can use our patented tools on your own or have us use them for you. Either way our goal is finding safe ways to maximize your highest sustainable living standard. So whether its saving, insurance, Social Security, retirement, career, divorce, housing, or job decisions, we can help.

Planning Tools

Our planning tools are designed to provide clear, practical suggestions to improve households' financial futures. Our programs are available in household and professional advisor versions and designed to help with important life cycle decisions.


Smarter financial decisions begin with smarter software. MaxiFi is 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. MaxiFi is web based and works on all devices. MaxiFi Planner is an essential tool. It’s easy to use and we have excellent customer support. Take control of your financial future starting today!

The most powerful and comprehensive software planning tool on the market. Its patented dynamic algorithm takes the guess work out of financial planning. It determines your sustainable living standard—what you can spend on an ongoing basis—and finds safe ways to raise it. ESPlanner can show the living standard impact of important financial and life cycle decisions like switching jobs, retiring early (or later), postponing Social Security, and much more.

For a detailed comparison of these two applications, view the comparison chart.


Divorce is hard enough without fighting over finances. Analyze My Divorce Settlement is an objective way to see how you'll each be treated. It can provide is a clear comparison of both spouse's post-divorce living standards for any proposed settlement. The tool can also help you develop alternative proposals to those you've received. Finally, it can help you find win-win settlements.

Top-ranked by the Wall Street journal, this web-based program finds the unique collection strategy that will maximize your lifetime Social Security benefits. Learn when and how to collect retiree, spousal, survivor, divorcee, parent, and child benefits to achieve the highest lifetime benefits. Incorporates all Social Security provisions and options for singles and married couples.

Hands-On Services

We also offer extra support planning services for households and professionals. We can take your data, create the model, and run the plan directly for you in any of our products. With "Expert Review" we can review your inputs, suggest relatively safe ways to raise your living standard, help you understand the reports, and answer questions. For more detail, visit any of the planning tools sites above.


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