Simple monthly budget app with zero-based planning and safe-to-spend categories
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
Free trial
Free
Pricing
7-day free trial
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
Monthly budget planning
Zero-based budgeting
Safe-to-spend category balances
Expense and income tracking
Move money between categories
Subscriptions tracker
Savings goals
Face ID protection
Multiple account support
Monthly spending 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
Before You Tap budgeting shows safe-to-spend amounts before purchase
Subscriptions tracker shows renewal dates and annual costs
Savings goals feature with target amounts and due dates
Flexible adjustments when life changes without guilt
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
Pigi
Benefora