GITNUXSOFTWARE ADVICE
EconomicsTop 6 Best Laurence Kotlikoff Software of 2026
Ranked roundup of laurence kotlikoff software for planning, analysis, and research, including MaxiFi Planner, ProjectionLab, and key tradeoffs.
How we ranked these tools
Core product claims cross-referenced against official documentation, changelogs, and independent technical reviews.
Analyzed video reviews and hundreds of written evaluations to capture real-world user experiences with each tool.
AI persona simulations modeled how different user types would experience each tool across common use cases and workflows.
Final rankings reviewed and approved by our editorial team with authority to override AI-generated scores based on domain expertise.
Score: Features 40% · Ease 30% · Value 30%
Gitnux may earn a commission through links on this page — this does not influence rankings. Editorial policy
MaxiFi Planner is the strongest pick for advisers who need fast scenario iteration and client-ready outputs from imported inputs, whereas ProjectionLab fits planning teams that want visual, stakeholder-ready reports without heavy coding, and Analyze My Divorce Settlement is the better vertical choice when settlement structures require cash-flow affordability comparisons.
Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
MaxiFi Planner
Scenario comparison remains editable, and recalculation keeps tax and withdrawal outcomes synchronized across changes.
Built for fits when advisers need fast scenario iteration with client-ready outputs from imported inputs..
ProjectionLab
Editor pickScenario-run consistency through template-based inputs that preserve assumptions across multiple model variants.
Built for fits when planning teams need fast scenario iteration and stakeholder-ready reports without heavy coding..
Analyze My Divorce Settlement
Editor pickSettlement-term to projected household cash-flow workflow geared for divorce negotiation and documentation.
Built for fits when settlement structures need cash-flow affordability analysis with scenario comparisons..
Related reading
Comparison Table
MaxiFi Planner
vertical specialistLifetime financial planning software built on Kotlikoff's economic security algorithms.
Scenario comparison remains editable, and recalculation keeps tax and withdrawal outcomes synchronized across changes.
MaxiFi Planner supports multi-scenario modeling for household planning, including retirement income, withdrawals, and tax computation as assumptions shift over time. Scenario comparison is central to the workflow, with edits propagating through the projection so outcomes stay consistent across iterations. A practical strength is input-driven modeling that reduces re-keying when benefit details or tax-return line items are available for import.
A tradeoff appears in governance and extensibility since MaxiFi Planner’s automation and API surface is not positioned for custom integrations at the data-model level. Teams that need repeatable, programmatic provisioning of scenarios or batch runs at scale may need external scripting around exports. The best usage fit is an adviser or planning team iterating scenarios during client sessions and producing readable planning outputs from the same assumption set.
- +Scenario-first modeling keeps assumptions consistent across years
- +Interactive what-if edits update outcomes for income and withdrawals
- +Input import reduces manual benefit and tax re-entry
- +Exports support repeatable review and report handoffs
- –Limited evidence of deep API automation for custom integrations
- –Advanced automation needs may require external workflow glue
- –Batch throughput and parallel runs are not clearly designed for scale
- –Data governance controls for multi-user teams may be light
Financial advisers
Client retirement plan scenario comparisons
Faster recommendation iterations
Retirement planning analysts
Tax-aware withdrawal sequencing studies
More coherent withdrawal guidance
Show 2 more scenarios
Household operations staff
Benefit and tax input consolidation
Lower re-keying error
Import benefit details and tax-return inputs to reduce data-entry variance between scenarios.
Planning team reviewers
Report generation and exports
Cleaner handoffs to deliverables
Export planning outputs for structured review and client distribution after scenario selection.
Best for: Fits when advisers need fast scenario iteration with client-ready outputs from imported inputs.
ProjectionLab
SMBA visual financial planning platform for modeling income, spending, taxes, and retirement outcomes.
Scenario-run consistency through template-based inputs that preserve assumptions across multiple model variants.
ProjectionLab supports retirement-income planning workflows that map household inputs to projected cash flows, then lets outputs feed scenario comparison and reporting. The tool is built around interactive modeling with export-friendly results, which suits research teams that iterate on assumptions and need consistent output formatting. The strongest fit signals come from spreadsheet-like usability combined with repeatable scenario runs rather than one-off analysis.
A key tradeoff is that deeper automation, API-driven integrations, and governance controls are not the primary experience, so orchestration usually relies on manual setup and disciplined template use. ProjectionLab works best when a planning team needs fast iteration on claiming coordination and withdrawal sequencing across multiple scenarios with consistent outputs for stakeholder review.
- +Template-first modeling keeps household assumptions consistent across scenarios
- +Scenario comparison supports fast sensitivity checks across assumption sets
- +Report-ready output formats reduce rework for planning deliverables
- +Interactive cash-flow projection workflow favors rapid iteration over coding
- –Automation and API surface are limited for headless batch runs
- –Complex integrations often require manual data reshaping outside the tool
- –Governance controls like RBAC and audit logs are not central to the workflow
- –Advanced custom analysis can require workarounds when models diverge
Financial planners
Compare claiming ages across household scenarios
Faster tradeoff decisions for clients
Retirement researchers
Stress-test assumptions with sensitivity sweeps
Clearer understanding of key risks
Show 2 more scenarios
Advisory ops teams
Generate standardized planning reports
Lower manual report correction time
Uses structured inputs and consistent outputs to reduce formatting effort in deliverables.
Independent analysts
Iterate withdrawal sequencing quickly
Quicker iteration on tax decisions
Recalculates projected timelines when assumptions change and compares resulting outputs.
Best for: Fits when planning teams need fast scenario iteration and stakeholder-ready reports without heavy coding.
Analyze My Divorce Settlement
vertical specialistDivorce settlement analysis tool using Kotlikoff's living-standard economics framework.
Settlement-term to projected household cash-flow workflow geared for divorce negotiation and documentation.
Analyze My Divorce Settlement turns settlement inputs such as payment amounts and dates into forward cash-flow projections, which makes it usable for evaluating whether a proposed structure fits within a retirement-aware household plan. The workflow emphasizes scenario comparison so alternatives like different payment timing and term lengths can be evaluated against the same baseline assumptions. It also supports report-style outputs intended for presenting outcomes to decision makers rather than exporting only raw calculations.
A tradeoff is that the tool is tightly scoped to divorce settlement analysis, so broader retirement-income modules like stochastic simulation and annuity contract modeling are not the primary workflow focus. It fits best when settlement terms already exist and the task is to test settlement structures against affordability and sustainability assumptions before negotiations or documentation.
- +Divorce-specific cash-flow modeling from settlement terms
- +Scenario comparison centered on payment timing and schedule
- +Settlement-focused reporting for document-ready outputs
- +Retirement-aware framing for long-horizon affordability
- –Narrow scope limits use for general retirement modeling
- –Limited visibility into underlying calculation engine details
- –Small automation surface for batch runs across many cases
Divorce planners and advisors
Test support payment schedule options
Clear affordability and sustainability comparisons
Family-law support analysts
Compare property division payment timing
Negotiation-ready outcome summaries
Show 1 more scenario
Retirement-income households
Assess settlement impact on later life
Risk-aware settlement planning
Evaluate how settlement cash flows affect long-horizon household financial stability.
Best for: Fits when settlement structures need cash-flow affordability analysis with scenario comparisons.
Maximize My Social Security
vertical specialistA Social Security claiming analysis tool based on Laurence Kotlikoff's research.
Guided claiming strategy comparisons that connect worker, spousal, and timing choices into consolidated decision outputs.
Maximize My Social Security focuses on Social Security claiming analysis with an input workflow built around benefit-event timing. It supports scenario comparison for claiming ages and household roles so users can map tradeoffs between worker and spousal claiming strategies.
The output targets decision-ready summaries that link claiming choices to downstream retirement cash flow planning handoffs. It also provides structured exports for combining Social Security results with broader retirement assumptions.
- +Claiming-age scenarios are easy to generate and compare across household roles
- +Outputs are formatted for downstream retirement cash flow handoffs
- +Assumption entry is structured around Social Security event timing
- +Export workflow supports combining results with external tax and budget models
- –Household coordination coverage is narrower than full survivor and tax modeling stacks
- –Limited automation depth for bulk Monte Carlo style runs across many assumption sets
- –Governance controls for multi-user work are not prominent in the workflow
- –External model integration requires manual mapping into spreadsheets or planners
Best for: Fits when household Social Security claiming decisions must be compared quickly before broader retirement modeling.
Boldin
SMBA consumer financial planning platform for retirement, taxes, healthcare, and estate scenarios.
API-first case orchestration that ties imported tax and benefit inputs to automated calculation runs and exportable deliverables.
Boldin performs retirement and benefits analysis by pairing user data with simulation and claiming logic designed for retirement-income scenarios. It supports importing tax-related inputs and benefit details, then exporting results into planning reports and spreadsheets for scenario comparison.
Boldin’s automation and integration focus shows up in its API-driven workflows and configurable calculation runs. The system fits research and planning teams that need repeatable outputs across households and revisions.
- +API-centric workflow supports repeatable scenario runs
- +Benefit and tax inputs map cleanly to analysis outputs
- +Report and spreadsheet exports fit downstream review cycles
- +Supports household-level case revisions without rebuilding models
- –Requires disciplined input formatting for reliable results
- –Advanced customization can require API or engineering effort
- –Some modeling workflows depend on external spreadsheets
- –Governance controls can be limited for multi-team administration
Best for: Fits when planning teams need API-driven scenario generation and repeatable retirement-income outputs.
RightCapital
enterpriseA financial planning platform used by advisors for retirement income and household planning.
Claiming and spousal benefit coordination feed directly into lifetime cash-flow and tax outputs inside the same planning run.
RightCapital supports retirement-income planning workflows with integrated projections for lifetime cash flow, tax-aware withdrawal sequencing, and Social Security claiming analysis. The software is built around household-level inputs that feed scenario comparison across years, including Medicare premium surcharge modeling and RMD projections.
RightCapital also focuses on report generation from the same model used for planning, which reduces rework when assumptions change. The strongest distinction is how its planning engine connects claiming decisions to cash-flow and tax outputs in a single workflow.
- +Unified planning workflow links claiming choices to cash flow and taxes
- +Scenario comparison supports rapid assumption changes across retirement timelines
- +Report generation pulls from the active projection model to reduce copy edits
- +Household-centric inputs streamline spousal benefit coordination modeling
- –Monte Carlo analysis depth is limited compared with tools offering deeper stochastic controls
- –Tax-return data import coverage is narrower than spreadsheet-centric workflows
- –Advanced customization can feel constrained without external modeling exports
- –Complex household setups can require careful data hygiene to avoid downstream mismatches
Best for: Fits when advisors need coordinated Social Security and tax-aware cash-flow projections with scenario reporting.
Conclusion
After evaluating 6 economics, MaxiFi Planner stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right laurence kotlikoff software
This guide covers Laurence Kotlikoff software used for retirement-income planning, with MaxiFi Planner, ProjectionLab, RStudio, and Python JupyterLab included alongside Social Security claiming-focused tools. The selected tools emphasize scenario comparison workflows, calculation handoffs from inputs to outputs, and repeatability when assumptions change across a household plan.
MaxiFi Planner is the top-ranked option for editable scenario comparison with recalculation that keeps tax and withdrawal outcomes synchronized. Other tools in the set prioritize template-based scenario runs or API-driven orchestration for repeatable deliverables.
Laurence Kotlikoff Software for Planning, Analysis, and Retirement Research: Scenarios, Outputs, and Automation
Laurence Kotlikoff software in this guide refers to planning and analysis workflows that convert household inputs into retirement cash-flow projections and scenario comparisons. The emphasis is on keeping assumptions, calculation timing, and downstream outputs aligned as users edit plan variables. MaxiFi Planner supports editable scenario comparison with synchronized recalculation across tax and withdrawal outcomes, which fits teams that iterate quickly and need consistent results for handoff.
ProjectionLab focuses on template-first scenario runs that preserve assumptions across multiple model variants for stakeholder-ready reporting without heavy coding. The remaining tools cover narrower use cases like Social Security claiming strategy comparison or automation-first orchestration, which changes how planning teams generate scenarios and export results.
Scenario comparison fidelity, recalculation synchronization, and automation surfaces
Retirement-income planning software needs scenario comparison that stays editable without breaking downstream outcomes when assumptions change. This guide focuses on how each tool ties input edits to the same output calculations across years so plans remain consistent during iteration.
Editable scenario comparison with synchronized recalculation
MaxiFi Planner keeps tax and withdrawal outcomes synchronized while users edit scenarios, so the plan stays coherent during rapid what-if iteration. ProjectionLab emphasizes scenario-run consistency through template-based inputs that preserve assumptions across variants.
Template-based consistency for stakeholder-ready outputs
ProjectionLab uses template-first modeling so household assumptions remain stable across multiple model variants. MaxiFi Planner also targets consistency, but its standout centers on keeping outcomes synchronized as scenario edits change tax and withdrawals.
Workflow fit for nonstandard household events
Analyze My Divorce Settlement models settlement-term to projected household cash-flow with scenario comparisons focused on payment timing. This workflow focus makes it narrower for general retirement modeling than tools like MaxiFi Planner and ProjectionLab.
Social Security strategy coordination and claiming scenario outputs
Maximize My Social Security generates guided claiming strategy comparisons that connect worker, spousal, and timing choices into consolidated decision outputs. RightCapital links claiming and spousal benefit coordination directly into lifetime cash-flow and tax outputs inside the same planning run.
API-first orchestration for repeatable scenario runs
Boldin provides API-centric case orchestration that ties imported tax and benefit inputs to automated calculation runs and exportable deliverables. MaxiFi Planner and ProjectionLab improve scenario iteration through interactive or template workflows rather than deep headless batch automation.
Choose by workflow philosophy: interactive edit loops, template runs, or API orchestration
The first decision should match how scenarios get created and refined inside the planning workflow. MaxiFi Planner fits teams that iterate by editing scenarios and expect recalculation to keep tax and withdrawal outcomes aligned in one loop.
Pick the scenario editing loop that matches team behavior
Choose MaxiFi Planner when scenario comparison must stay editable and recalculation must keep tax and withdrawal outcomes synchronized across changes. Choose ProjectionLab when template-based inputs are preferred to preserve assumptions across multiple model variants during reviews.
Separate Social Security claiming analysis from the rest of retirement modeling only if it fits the workflow
Choose Maximize My Social Security when Social Security claiming decisions must be compared quickly before broader retirement cash-flow work. Choose RightCapital when claiming and spousal coordination must feed directly into lifetime cash-flow and tax outputs in the same planning run.
Match event-specific modeling to the decision being negotiated
Choose Analyze My Divorce Settlement when settlement structures need cash-flow affordability modeling built around settlement-term timing. Avoid treating it as a general retirement projection tool when the main workflow is household retirement modeling outside divorce settlement documentation.
Select the automation shape based on integration expectations
Choose Boldin when repeatable scenario generation must be triggered by an API-first workflow that maps imported tax and benefit inputs into automated calculation runs. Choose MaxiFi Planner or ProjectionLab when scenario iteration and reporting throughput matter more than headless batch automation for custom integrations.
Validate inputs early to prevent downstream calculation drift
If a tool requires disciplined input formatting for reliable results, plan for input validation steps in the workflow before large scenario batches. Use MaxiFi Planner’s synchronized recalculation behavior as the check that edits actually propagate into income and withdrawals as intended.
Who benefits from these Laurence Kotlikoff planning tools and workflows
These tools split along how teams create scenarios, how outputs get generated for handoff, and how much automation exists for repeatable runs. The best match depends on whether the planning work centers on interactive what-if iteration, template-driven stakeholder reporting, API-driven orchestration, or Social Security claiming comparisons.
Advisers and planning teams iterating during client meetings
MaxiFi Planner fits teams that need scenario comparison to remain editable and require recalculation to keep tax and withdrawal outcomes synchronized while assumptions change.
Planning teams producing stakeholder-ready reports across many assumption variants
ProjectionLab fits teams that prefer template-first modeling so household assumptions remain consistent across scenarios while the reporting workflow stays fast.
Advisers running Social Security claiming strategy decisions as a standalone workstream
Maximize My Social Security fits households that must compare claiming-age strategies across worker, spousal, and timing choices before expanding to broader cash-flow modeling.
Advisers coordinating claiming choices with tax-aware lifetime cash flow
RightCapital fits workflows where claiming and spousal coordination must feed directly into lifetime cash-flow and tax outputs within the same planning run.
Divorce negotiators and planners modeling settlement affordability and timing
Analyze My Divorce Settlement fits the workflow where settlement-term schedules drive projected household cash-flow comparisons for documentation and negotiation.
Common selection mistakes that break planning consistency
Many bad fits come from assuming every tool treats scenario edits the same way and every tool supports the same automation patterns. The tool cards show clear differences in scenario editing loops, template behavior, and API orchestration depth.
Selecting a tool for scenario comparison without checking whether recalculation keeps tax and withdrawal outcomes aligned after edits
MaxiFi Planner is built around synchronized recalculation across tax and withdrawals during interactive scenario edits. ProjectionLab focuses on template consistency, so plan for how templates preserve assumptions instead of relying on freeform edit propagation.
Treating Social Security claiming tools as full household retirement stacks
Maximize My Social Security emphasizes guided claiming strategy comparisons with narrower household coordination coverage than tools built for full survivor and tax stacks. RightCapital links claiming and spousal coordination into lifetime cash-flow and tax outputs, so it better matches integrated planning needs.
Assuming the most automation-capable tool is also the easiest for custom integrations
Boldin provides API-first case orchestration but still depends on disciplined input formatting for reliable results. MaxiFi Planner and ProjectionLab can be faster for scenario iteration and reporting, but their cards describe limited headless batch automation and more manual reshaping for complex integrations.
Using divorce settlement modeling outputs as if they generalize to all retirement planning workflows
Analyze My Divorce Settlement centers on settlement-term to cash-flow modeling with scenario comparisons focused on payment timing. Its narrow scope limits use for general retirement modeling compared with MaxiFi Planner and ProjectionLab.
How We Selected and Ranked These Tools
We evaluated scenario comparison fidelity, focusing on whether scenario edits keep downstream outcomes consistent, and we used feature depth ratings plus ease and value ratings to balance workflow usability. Features contributed 40% of the score, and ease and value each contributed 30%.
MaxiFi Planner separated from the rest by keeping tax and withdrawal outcomes synchronized as scenarios are edited, which preserves planning consistency during iteration. ProjectionLab scored highly when template-based inputs preserved assumptions across scenario variants, while Boldin scored on API-first case orchestration for repeatable automated runs.
Frequently Asked Questions About laurence kotlikoff software
How do MaxiFi Planner and ProjectionLab differ in scenario comparison workflows?
Which tool is better for converting divorce settlement terms into projected household cash flow?
How does Maximize My Social Security handle tradeoffs between worker and spousal claiming decisions?
Where does Boldin fit for automation and repeatability across households?
What breaks if sequence-of-returns and tax outcomes must stay synchronized after edits to assumptions?
When do RightCapital and MaxiFi Planner both produce report outputs, and how do they differ?
Which tool is strongest for Medicare premium surcharge and RMD projections within the same planning run?
How do users reduce manual re-entry when importing benefit and tax inputs?
What admin control or governance features matter most for API-driven deployments in these tools?
Tools reviewed
Primary sources checked during evaluation.
Referenced in the comparison table and product reviews above.
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