The AI benefits optimizer

Stop leaving thousands on the table every year

BenefAgent is your AI benefit agent — reads your benefits package, calculates your 401k match, checks HSA/FSA eligibility, and tells you exactly what to do. In plain English, in under 10 minutes.

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$8,400

avg. value found per user

83%

of employees miss benefits

9 min

average time to full plan

<9%

of HSA holders invest their funds

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.

Why BenefAgent

Built for employees, not HR departments

Most tools are sold to your employer and built for administrators. BenefAgent works for you — proactive optimization, not just claim filing after the fact.

	BenefAgent	HR Portal	Doing it yourself
Full benefits PDF analysis	✓	✗	✗
Plain English action plan	✓	✗	✗
HSA / FSA eligibility checker	✓	✗	😨
401k match optimizer	✓	✗	✗
Open enrollment guidance	✓	😨	✗
Commuter & perks finder	✓	✗	✗
2026 law change alerts	✓	✗	✗
Works for any employer	✓	✗	✓

Get started — takes 9 minutes

Early access

Built for employees who want more.

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HSA & FSA made simple

Stop guessing what qualifies. Type any expense and get an instant IRS-backed answer with exact savings estimates.

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Never miss your 401k match

The average employee leaves $1,300/year by not capturing their full employer match. We find it in minutes.

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Claims built in seconds

Scan a receipt, add eligible items, and AI generates a complete claim form ready to submit to your plan administrator.

Helping employees maximize their benefits with AI

Pricing

Find thousands in missed benefits — this week

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.

Mobile app

BenefAgent in your pocket

Scan receipts with your camera, check HSA/FSA eligibility on the go, and build claims in seconds — all from your phone.

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Scan receipts directly with your camera

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Instant HSA/FSA checks anywhere

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Installs on home screen — no App Store needed

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9:41

BenefAgent

$8,400

found for you

HSA / FSA Checker

Prescription glasses...

✓ Yes, fully eligible

IRS Publication 502

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Home

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Check

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Claims

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Your complete benefits toolkit

📈

401k Calculator & Optimizer

Calculate your 401k monthly payout, find uncaptured employer match, and optimize your retirement contributions. Works with Guideline 401k, Fidelity, Vanguard and all major 401k companies.

🏥

HSA Calculator & Benefits

Check 2026 HSA contribution limits, calculate your tax savings, and see what expenses qualify. Perfect for individuals, families, and small businesses looking to maximize HSA benefits.

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Employee Benefits Optimizer

Upload your benefits PDF and our AI benefit agent finds every dollar you're missing — FSA, commuter benefits, gym reimbursement, tuition and more.

Frequently asked questions

What is a benefits optimizer?

A benefits optimizer is a tool that analyzes your employee benefits package and identifies unclaimed money — like uncaptured 401k match, unused HSA/FSA funds, or forgotten perks like gym stipends and tuition reimbursement.

What are the 2026 HSA contribution limits?

For 2026, the HSA contribution limit is $4,300 for individuals and $8,550 for families. If you're 55 or older, you can contribute an additional $1,000 catch-up contribution.

How does a 401k retirement calculator work?

A 401k calculator estimates your monthly payout at retirement based on your current balance, contribution rate, employer match, and expected growth rate. BenefAgent's calculator also shows you how much you're missing if you're not capturing your full employer match.

What is BenefAgent and how does it work?

BenefAgent is an AI-powered benefit agent that reads your employer benefits document and creates a personalized action plan. Upload your benefits PDF, answer 5 questions, and get exact dollar amounts for what you're missing — in under 10 minutes.