TillNext vs Social Security Estimate

Know what you can spend before your next paycheck. TillNext: Paycheck Planner helps you plan the money coming in, the bills going out, and what is left to spend. Enter your current bank balance, add your income and expenses, and keep your plan up to date as payments clear. A CLEAR VIEW OF YOUR CASHFLOW Home puts Available to spend first, followed by a cashflow forecast, monthly income and expenses, and your projected month-end balance. See upcoming items and review what is completed. Tap the information button for your next paycheck, planned bills, and the details behind your spending amount. RECURRING PLANS WITHOUT THE MONTHLY RECOUNT Set up recurring paychecks and bills once. Review their occurrences month by month, adjust an occurrence when plans change, and look back at previous activity. Add one-time income or expenses whenever you need them. LOOK AHEAD WITH THE CALENDAR See projected daily balances alongside scheduled income and expenses. Move between months to plan ahead, then return to the current month with a tap. Expected income belongs in your forecast; mark it received when it arrives. YOUR PLAN, CLOSE AT HAND Small, medium, and large Home Screen widgets keep your Till Next amount visible. Quick-add controls let you enter one-time income and expenses, while the large widget shows upcoming items. FREE PLANNING. OPTIONAL SUPPORT. Every planning feature is free, with no ads, subscription, or trial countdown. An optional one-time Supporter purchase adds extra accent colors. Previous lifetime unlock owners keep access to supporter colors. PRIVATE BY DESIGN TillNext works locally on your iPhone. There is no account, bank connection, analytics, or tracking. Export your plan as a CSV or choose a backup through Files or iCloud Drive. Your planning data stays on your device unless you choose to export or back it up. Features: - Available to spend and projected month-end balance - Cashflow chart and daily calendar balances - Recurring income and bill schedules - One-time income and expense entries - Received, pending, paid, and skipped status tracking - Previous occurrence history - Optional on-device reminders - Small, medium, and large Home Screen widgets - CSV export and restore, plus backup options - Light and dark mode TillNext is for personal planning only and does not provide financial, tax, legal, investment, credit, or banking advice. Always check your actual accounts before spending or making payments.

Social Security is one of the biggest retirement decisions you'll make — and for couples, the timing of two claims can be worth hundreds of thousands of dollars over a lifetime. Social Security Optimizer shows you the smartest way to claim. Enter the estimate from your SSA.gov statement once, then see your benefits across every claiming age — and let the couples optimizer find the combination that maximizes what you keep over both lifetimes. WHAT YOU CAN DO • Claiming Age Explorer — your monthly benefit at every age from 62 to 70. • Break-Even — compare claiming early vs. waiting and see your crossover age. • Couples Optimizer — searches every combination of claim ages for both spouses to maximize lifetime household benefits, including the survivor years. • Spousal & Survivor — model the up-to-50% spousal benefit and up-to-100% survivor benefit. • Taxes & Medicare — see how much of your benefit is taxable, plus the earnings test and Medicare IRMAA. WHY COUPLES Free calculators stop at single break-even math. The winning move — the lower earner claims earlier while the higher earner delays to lift the survivor benefit — only appears when you model two lifespans together. That's what this app does. PRIVATE BY DESIGN Everything stays on your device. No account, no tracking, no data collection. IMPORTANT Educational estimates only — not financial, tax, or legal advice, and not a guarantee of benefits. Actual benefits are determined by the Social Security Administration. Not affiliated with or endorsed by the SSA. Figures reflect 2025 rules and the numbers you enter.