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: $0/forever with 1 worksheet, desktop app (offline), and all core features. Premium: $6/month (billed yearly at $72/year or $9/month), includes unlimited worksheets, cross-device sync, mobile app access, web and desktop access, and priority support. 30-day free trial available with no credit ca
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
Continuous timeline view of past, present, and future financial life
Automatic projection of recurring income and expenses
Multi-currency and cryptocurrency support
100% offline desktop app with optional encrypted sync
Cross-device sync for Premium users
CSV and JSON import and export with no lock-in
Mobile app for quick transaction capture
Works on Web, Windows, macOS, Linux, iOS, and Android
No signup or bank credentials required to start
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
No signup, no bank linking, and works completely offline without any data selling or tracking
Automatic recurring transaction projection so every future date shows your actual expected balance
Single continuous timeline showing entire financial life instead of pages or months to click through
Full data ownership with import/export in CSV and JSON preventing any vendor lock-in
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
TinyCashflow
Benefora