A budgeting and financial planning app that shows where your money is headed, not just where it went.
Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Stage
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Founded
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Based in
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Pricing model
Freemium
Free
Pricing
Free plan with 2 saved projections; Flan Plan with unlimited projections and shared planning features.
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
Visual financial timelines up to 30 years on Flan Plan
Projection-first budgeting approach
Goals and debt payoff planning
Shared projections with partners
Multiple saved scenarios to compare what-ifs
Onboarding walkthrough for new users
Actionable insights
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
Projects your financial future forward instead of only tracking past spending
Works without bank account linking, focusing on planning rather than transaction tracking
Designed for both individuals and couples with shared planning capabilities
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
Flan
Benefora