See the month you're debt-free, then get there faster
Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Stage
Not given
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Founded
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Based in
US
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Pricing model
Freemium
Free
Pricing
Free: payoff plan, snowball or avalanche strategy, projected debt-free month, reminders. Snowballer Plus: $4.99/month or $39.99/year with 14-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
Snowball or avalanche debt payoff strategy
Projected debt-free month
Bank sync via Plaid
Spending tracking by typing, voice or receipt scan
Payment reminders
What-if scenario modeling
Custom payoff order
Data export
Account and data deletion
AI-generated coaching
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
Core payoff plan is completely free
Gets you to a debt-free date in about 10 seconds
Read-only bank sync that never sees your password
No budget categories or spreadsheets required
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
Snowballer
Benefora