Evidence-based Social Security claiming guidance to help you make confident retirement decisions
No spend tracker app for mindful spending
Stage
Not given
Startup
Founded
Not given
2026
Based in
Not given
CA
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 version available. Unspent More: 7-day free trial, then Monthly US$2.99 or Annual US$24.99
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
Track skipped purchases
See spending insights by category, merchant, and weekday
Set and track savings goals
Build streaks and earn achievements
Create quick logs for common skips
No bank connection required
Search and filter skips
Unlimited active goals
Ad-free experience with subscription
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
Tracks decisions not to spend rather than expenses already spent
Positive reinforcement approach instead of guilt-focused budgeting
Benefora
Unspent