Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Stage
Not given
Not given
Founded
2023
Not given
Based in
US
Not given
Pricing model
Free trial
Free
Pricing
Free 35-day trial with no credit card required. After trial: $7 per month or $50 per year (40% discount over monthly plan).
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
Auto-reconciliation of account balances
Real transaction names via email cross-reference
Zero-based budgeting
Custom budget categories
Bank account connection
Keyboard accessibility
Mobile web browser support
Transaction categorization and review
SOC-2 certified servers with industry-leading encryption
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
Built by former YNAB users who wanted a simpler alternative
No funding, no brand deals, independent team focused on helping people
Friendly, realistic approach without forcing strict methodology
No credit card required for free trial
Never sells user data
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
Ranger
Benefora