Retirement and financial planning software for individuals.
Build a plan from your own numbers, run any what-if, and see the tax you'll actually owe — federal and state, year by year. Every figure computed, never estimated.
Free to see where you stand. No credit card, and no bank login — ever.
- Savings rate
- 34.9%
- Monthly surplus
- +$1,240
- Liquid runway
- 3.3 months
- Retirement funded
- 82%
Every figure computedNo language model produces a number here.
No bank loginThere's nowhere on this site to enter one.
Tax law, citedBrackets and limits pinned to published sources.
Nothing sold to youNo commissions, products or referrals.
Most planners stop at your balances. This one keeps going.
Net worth and cash flow are the easy part. What decides whether the money lasts is tax, timing and sequence — and that's where the engine does its work.
Know what to send the IRS, four times a year.
If you live off a portfolio, every quarter you estimate what you owe. Guess low and there's a penalty. Guess high and you've lent the government money for free.
- Qualified dividends and long-term gains are taxed at their own rates and stacked correctly against your ordinary income, rather than lumped in at your top bracket.
- A strong year in the market can push you past the threshold for the 3.8% investment surtax without warning. The estimate accounts for it.
- Your state's own rules apply, including the states that exempt retirement income entirely and the states that tax it.
- Federal
- $4,182
- State
- $1,043
- Effective rate
- 14.8%
Illustrative figures. Your estimate is computed from your own entries, and the arithmetic behind it is shown.
A conversion schedule, not a conversion calculator.
Most tools tell you the tax on a conversion you've already chosen. This one searches the schedules and reports which years, how much, and what stopped it converting more.
- Bracket edges, IRMAA tiers and the Social Security torpedo all constrain the search, and the constraint that bound is named for every year in the schedule.
- Medicare sets your premium from the income you reported two years earlier, so the engine charges a conversion's IRMAA cost in the year it actually lands.
- When no schedule beats leaving the money where it is, the answer is to do nothing, and you're told what converting would have cost you instead.
- Age 67 — bracket edge
- $20,749
- Age 68 — bracket edge
- $21,371
- Age 69 — IRMAA tier 1
- $18,402
- Age 70 — bracket edge
- $22,674
What's helping you, and what's quietly costing you.
Advisors charge thousands to tell you what your own numbers already say. The answers are in the figures you already have — they've just never been arranged where you could see them.
- Every finding is labelled structural or flexible, category by category, so you know which gaps are worth your energy and which are locked in.
- You get one highest-leverage move with the dollars it's worth per year, rather than fifteen things to try.
- Every quarter, a five-minute check-in brings your numbers up to date and shows what moved since last time. Commit to a move, and the next check-in asks whether you made it.
- Debt at 21.99% APR
- Flexible
- Mortgage at 3.1%
- Structural
- Spending growth
- Flexible
Twenty things your numbers can answer.
Each one runs on the figures you entered once. Nothing here is a rule of thumb.
Cash-flow projections
Year by year, income against expenses, from today to ninety and past it.
What-if scenarios
Retire two years earlier. Move states. Sell the house. Watch the plan move.
Compare mode and multiple plans
Two plans side by side on the same numbers, with the difference in dollars. Keep as many versions as you like.
Tax estimation
Federal and state from your actual income mix, with brackets and limits rising with inflation in the years ahead.
Tax optimization
Where the code leaves you room, and which years to use it in.
Roth conversions
How much and when, against brackets, IRMAA and the tax on your benefits. Or price one conversion you're considering.
Capital gains harvesting
The years your long-term gains fall in the zero-percent band, and how much room.
Social Security timing
Claim early, at full retirement age, or at 70, with spousal and survivor benefits and the crossover age for each.
Pension choices
Single life, joint and survivor, or the lump sum: what each pays while you're both alive and after, and where the lump sum breaks even.
Required distributions
The age yours begin, what the first one costs in tax, and how they grow from there.
Health coverage and Medicare
What you'll pay for coverage from now to 70, the marketplace subsidy before 65, and the dates to enroll in Medicare and stop HSA contributions.
College funding
Each child's projected cost, what the 529 will cover, and the monthly saving that closes the gap.
Stock compensation
RSUs, options and ESPP shares taxed as they vest or sell, the withholding that falls short, and AMT before it surprises you.
Business owners
Income taxed by entity type, the business income deduction, and the most you can put into a Solo 401(k) or SEP.
Market stress tests
How long the money lasts if markets fall 30% the year you retire, or five years later, and the return your plan actually needs.
Estate exposure
State thresholds start as low as $1M. Beneficiaries, how accounts are titled, and planned gifts against the annual limit.
Protection gaps
Nine checks: wills, directives, beneficiaries, life, disability, long-term care. What's in place, and what isn't.
Quarterly check-ins
Five minutes to update your balances and see what moved. Commit to a move and get asked whether you made it.
Advanced analytics
Savings rate, liquid runway, funded ratio, structural versus flexible gap.
Ask Max
Questions about your own finances, answered from your own numbers, with the arithmetic behind each one.
From signing up to an answer, in about ten minutes.
Entering your numbers is the only work you ever do here.
Create an account
Email and a password. Encrypted from the first moment, and never sold.
Enter your picture
Income, expenses, assets, liabilities, goals. Type them or upload a statement.
See where you stand
Vital signs, health score, and the age the money runs out. Free, no card.
Get the plan
If you want to know what to do about it, the full plan is $149 a year. A five-minute check-in each quarter keeps it current.
Do the work first. Decide about paying after.
You don't pay to find out where you stand. Enter your numbers, see your position, then decide whether the plan that changes it is worth $149 a year.
Your whole financial picture, with the real numbers computed from it.
- Entered by hand or read from uploaded statements
- Net worth, savings rate, monthly surplus and months of cover
- A health score, with the benchmark behind every part
- The age your money runs out, and how far short that is
- What your single best move is worth, in dollars a year
- A five-minute check-in each quarter to keep it current
- Ask Max, five questions a month
The same numbers, plus the part that changes them: which moves, in what order, and what each is worth.
- What that best move actually is, and a date to do it by
- Quarterly estimated tax, federal and state
- Roth conversions, Social Security timing and pension choices
- Health coverage and Medicare costs, and college funding for each child
- Stock compensation and business income, taxed the way the IRS does
- The full year-by-year projection, stress-tested against a market fall
- Ask Max, fifty questions a month
If the free numbers tell you what you needed to know, keep them and go. Nothing expires, and there's no card on file to forget about.
Who built this, and why.
Economics and statistics, University of Southern California. Market maker, block trader and proprietary trader on Wall Street since 1991.
Thirty-five years in markets teaches you that situations go sideways quickly, and in ways you did not anticipate. That is what most financial planning gets wrong. Advisors are expensive, and much of what they deliver is a projection resting on assumptions nobody examines — assumptions that hold right up until they don't.
What determines whether you survive a difficult stretch is not the accuracy of a forecast. It is how well you understand your own income statement and balance sheet: where the money goes, what your habits cost you, and which of those things are within your control.
I built MAXG2 to make that information inexpensive to obtain and straightforward to understand, so people can avoid the mistakes I have made and watched others make. Your habits, good and bad, are visible in your own numbers. Seeing them clearly is what lets you act on what you control.
Questions people ask first.
Do I have to connect my bank accounts?
What happens to a statement I upload?
Is this financial advice?
Where do the numbers come from?
Does an AI company see my information?
What doesn't it model?
Can I cancel?
Get an honest answer about your finances.
Free to run, and free to keep the numbers you get. $149 a year only if you want the plan that changes them.