Make Your Social Security Decision With Confidence. Not Guesswork.
Gain clarity, understand your options, and make confident decisions using trusted education and practical tools built using publicly available ssa.gov data.
Learn & Plan
Should I Claim at 62, 67, or 70?
Understand claiming ages and break-even.
Learn moreMarried Couples Strategy Guide
Optimal claiming strategies for couples.
Learn moreSocial Security Calculator
Estimate benefits at different claiming ages.
Learn moreBreak-Even Analysis Guide
Find when delayed claiming starts paying off.
Learn moreOur Mission
Empowering Americans With Clear, Evidence-Based Decisions
We synthesize SSA data, actuarial research, and real-world scenarios into a simple, guided experience. No jargon. No sales pitch. Just the tradeoffs that matter for your household.
- Evidence-based research
- Plain-language education
- Personalized assessment
- 9,000+ Americans guided
What people say about our free tools
Reviews from Americans who used Benefora’s free calculators and educational resources.
Provide comprehensive support for your retirement decision
$100,000+ Impact
The difference between claiming at 62 vs. your optimal age can exceed $100,000 in lifetime benefits. Your timing decision is one of the biggest financial choices you'll ever make.
Learn more96% Get It Wrong
Research shows the vast majority of Americans claim Social Security too early, leaving tens of thousands of dollars on the table. Don't be one of them.
Learn moreEvidence-Based Guidance
Our methodology is built on peer-reviewed research, SSA data, and actuarial science. We help you understand your options so you can make the best decision.
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