QuantRidge vs MaxiFi Planner
Lifetime consumption-smoothing software built on economics research rather than goal targets.
What each one is for
Answering "how much can I actually spend each year, for life" with real economic rigour. The approach is different from everything else here and, for the question it answers, more defensible.
Running a taxable portfolio with the tax consequences attached — cost basis across every account, wash-sale warnings before the repurchase, harvestable losses, Roth conversion room against bracket thresholds, and a Form 8949 your preparer can file from.
Choose MaxiFi Planner if
You want the economics-first answer to sustainable spending and are happy to work in its framework.
We would rather say that here than have you find it out a month after subscribing to the wrong thing.
Where QuantRidge differs
MaxiFi is deliberately a planning engine and not an account dashboard. QuantRidge runs the portfolio alongside the plan — holdings, lots, realised gains, the CPA export at the end of the year.
The thing MaxiFi Planner cannot offer
MaxiFi implements a specific economics model, with the academic lineage to back it. The model is the product, which is exactly why it does not bend to feature requests — and should not.
QuantRidge is small enough that one person's problem can become a feature. The Founding 50 is built around exactly that: 50 accounts at $40/month for 12 months, in exchange for telling us what is missing. We build it and you watch it ship. Month 13 renews at $175, which we would rather say here than in a footnote.
Questions people ask
Is QuantRidge a replacement for MaxiFi Planner?
Not always, and this page says where it is not. You want the economics-first answer to sustainable spending and are happy to work in its framework. If that describes you, MaxiFi Planner is the better choice and plenty of people run both.
What does QuantRidge cost?
$175 a month for individuals, flat, with a 14-day free trial and no percentage of your assets. A limited Founding 50 offer is open: the next 50 approved accounts pay $40/month for 12 months, then renew at the $175 list price.
Can I run QuantRidge and MaxiFi Planner together?
Yes, and for some people that is the right setup rather than a compromise. What MaxiFi Planner is for: Answering "how much can I actually spend each year, for life" with real economic rigour. The approach is different from everything else here and, for the question it answers, more defensible. QuantRidge connects to brokerages read-only and does not touch anything MaxiFi Planner is doing, so running both costs you nothing beyond the second subscription.
Does QuantRidge manage my money?
No. QuantRidge is software, not a Registered Investment Adviser, broker or custodian. Brokerage connections are read-only — it can see positions and transactions but cannot trade or move money. Your money stays where it is.
Also compared with
MaxiFi Planner is a trademark of its owner and is not affiliated with QuantRidge. This comparison reflects our understanding as of the date above; confirm anything decisive on their site. Nothing here is investment, tax or legal advice.