The AI benefits optimizer

Stop leaving thousands on the table every year

BenefAgent reads your employer benefits package and tells you exactly what to do — in plain English, in under 10 minutes.

Get early access — free Try the app

$8,400

avg. value found per user

83%

of employees miss benefits

9 min

average time to full plan

The problem

Your employer is offering you free money. Most people never claim it.

The open enrollment panic

You get 2 weeks and a 40-page PDF. Most people just pick what they had last year and hope for the best.

The uncaptured 401k match

1 in 4 employees doesn't contribute enough to get their full employer match. That's an instant 100% return, left on the table.

The expiring FSA

Billions of FSA dollars vanish every December because employees forget to spend them or don't know what qualifies.

The forgotten perks

Gym stipends, tuition reimbursement, commuter benefits — most people use fewer than half of what their employer offers.

How it works

From confused to optimized in under 10 minutes

Upload your benefits doc

Photo or PDF of your benefits packet. No HR system login required. We read it directly.

Answer 5 quick questions

Health usage, family situation, current contribution — one at a time, in plain language.

Get your action plan

A personalized dollar-by-dollar breakdown of what to change, in what order, and exactly how to do it.

We remind you all year

FSA deadlines, open enrollment windows, contribution increases — we keep you on track so you never miss a beat.

Features

Everything you need to max every dollar

Benefits AI agent

Upload your PDF and our agent maps every benefit, calculates what you're missing, and tells you what to do next — in plain English.

$8,400 / avg. found

The average user discovers $8,400 in missed benefits in their first session.

401k

401k optimizer

We calculate exactly what % you need to capture the full employer match, then walk you through changing it step by step.

HSA

HSA & FSA tracker

Real-time balance tracking, deadline alerts, and a list of what's eligible to spend — so nothing expires unused.

Open enrollment guide

A 5-question wizard that recommends the right health plan, dental, vision, and life insurance based on your situation — not guesswork.

Perks finder

We surface every unused perk in your package — gym reimbursement, tuition stipend, commuter benefits, and more.

Pricing

Pays for itself in the first week

Free

forever

✓ 3 HSA/FSA eligibility checks/month
✓ Basic benefits calculator
✓ 401k match checker
✓ Open enrollment wizard

Common questions

Do you need access to my employer's HR system?

No. You simply upload a photo or PDF of your benefits packet — the same document your employer sends during onboarding or open enrollment. We don't require any login credentials or system access.

Is my data secure?

Yes. Your benefits documents are processed in memory and not stored after analysis. We never sell or share your data. All connections are encrypted end-to-end.

What if my employer doesn't offer all these benefits?

BenefAgent adapts to whatever your employer offers. If you don't have an HSA, we skip that section. The app focuses on what's actually available to you and finds the maximum value within those options.

How is this different from my employer's HR portal?

HR portals show you what you have. BenefAgent tells you what to do with it — in plain English, with specific dollar amounts and prioritized actions. We work on your behalf, not your employer's.

When should I use BenefAgent?

Open enrollment season is the highest-impact time, but BenefAgent is useful year-round — whenever you get a raise, have a life event (marriage, new child), or just want to check you're not leaving money behind.