Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Desktop app for organizing income, expenses, budgets, subscriptions, and goals
Stage
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Founded
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Based in
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Pricing model
Free
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Pricing
All calculators and educational resources are completely free with no sign-up required. A 30-day money-back guarantee applies to any digital product purchases.
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Key features
Free calculator showing estimated benefits at claiming ages 62 to 70
Lifetime benefit totals and break-even point calculation
Free claiming checklist for retirement decisions
Spousal benefits calculator
Strategy guides for spousal coordination
Survivor benefits planning guide
Earnings test and benefit taxation guidance
Educational articles on Social Security topics
Personalized warnings based on user situation
AI insight that detects patterns and recurring expenses
Budget guard with visual warnings before overspending
Guided onboarding that builds your first month
Real transaction editor with amount, date, category, account, merchant, tags, notes
Reports with charts for category, monthly trend, savings, and extraordinary expenses
Local-first data storage with optional account sync
Control of recurring income, fixed and variable expenses, extraordinary movements, and monthly budget
Google login for account creation
Windows desktop application
What makes it different
Free and accessible to everyone regardless of wealth
Based on official SSA data and peer-reviewed research
Focused exclusively on Social Security claiming decisions
Synthesizes complex SSA rules into plain-language tools
Uses same formulas and calculations as Social Security Administration
Local-first by default, no account required to start
Complete financial workspace in one compact, actionable view
Build your first budget in minutes with guided onboarding
Benefora
Flytivy Personal Finance