Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Know what you can spend right now with a simple visual spending pace
Stage
Not given
Startup
Founded
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Based in
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Pricing model
Free
Freemium
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.
Free: up to 3 trains, default train theme, transaction history, 30D/90D/1Y reports, core widget, Apple Shortcuts. Pro: $9.99/year or $29.99 lifetime for unlimited trains, train sharing, additional visual themes, custom train-level thresholds, full widget configuration, CSV export. Localized pricing
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
Live spending balance that updates continuously as time passes and purchases are made
Multiple spending trains for different expense categories
Visual train metaphor showing ahead or behind status
Home Screen widget for quick balance checking
Transaction history and spending reports
Shared trains for household spending management
iCloud sync for seamless data synchronization
CSV export for data analysis
Custom visual themes
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
Answers the immediate question of what you can spend right now instead of providing only a monthly total
Progress carries forward across months instead of resetting at month-end
Simple interface with one live number instead of complex spreadsheets or multiple categories
Free version available with core features to test the method before upgrading
Benefora
My Money Train