Pay off debt and build savings, one small move a week
Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Stage
MVP
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Founded
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Based in
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Pricing model
Free
Free
Pricing
Free during beta period
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.
Key features
One small weekly move picked from your spending categories
Rock visualization showing progress toward debt payoff or savings goal
Gamified motivation with an ox character that represents momentum
No budget categories or envelopes to manage
Flexible missed week handling with consistent targets
Debt mode for paying off debt
Saver mode for building emergency funds
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
What makes it different
One single actionable move per week instead of complex budgeting
Gamified approach that makes progress visible and motivating
Designed specifically to fill the gap between noticing financial stress and taking action
Works without bank connections and can be cancelled anytime
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
Debtox
Benefora