Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Track every expense in one sentence
Stage
Not given
Not given
Founded
Not given
Not given
Based in
Not given
US
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: basic expense tracking with 20 captures every 30 days, 2 accounts, 2 category budgets, 1 account currency, no ads. Outlayr Pro: $7.99/month, $49.99/year with 7 days free, or $129.99 once; includes 500 captures every 30 days, unlimited accounts, category budgets and account currencies, sync acr
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
Log purchases by voice, text, or receipt photo
Supports 165 currencies with historical exchange rates
Budget tracking with overspend alerts
Savings goals with monthly targets
Split transactions across categories
Multi-account tracking with transfers
Spending insights and trends
Offline entry logging without internet
Export data as CSV or full archive
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
Type expenses as one sentence instead of filling multiple form fields
All data stored on your phone by default with optional sync
Open source code available on GitHub under GPL and AGPL licenses
Benefora
Outlayr