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
Rookie: Free. Aura: $4.95 per month or yearly at 15% savings.
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
Multi-wallet management for cash, bank accounts, and savings
Transaction tracking with categories and real-time balance updates
Monthly budget setting and spending limit monitoring
Multi-currency support with automatic FX conversion
Financial analytics and spending reports
Advanced dashboard and charts
Export to CSV
Internal transfers between wallets
Zero-based budgeting methodology
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
Free access with no app download required, runs entirely in web browser
Live FX rates for real-time multi-currency conversion
No credit card required to get started
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
Benefora