Free help from the Budget Assistant
Money questions in retirement, answered.
Ask our Budget Assistant about benefits, bills and saving on a fixed income — in plain English — then swap tips with other seniors and caregivers in the community.
Hello! I'm the Budget Assistant. Ask me about Social Security, Medicare, help with bills, senior discounts or stretching a fixed income. I'll explain things in plain English and point you to the official place to apply.
The Budget Assistant is an AI and can make mistakes. It is general information, not financial, legal or medical advice — check with the official agency before you decide.
- Plain English, no jargon — free, day or night
- Points you to the official place to apply, and warns you about scams
- Other seniors and caregivers, one click away
- questions asked
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- replies from the community
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Two kinds of help, one place
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Ask the Budget Assistant
Social Security, Medicare, a bill you can't pay, a letter you don't understand — type it the way you'd ask a friend.
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Get clear next steps
Which program fits, who to call, what to have ready — with links to our guides and to the official websites.
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Compare notes with others
One click turns your question into a community post, so people who have been through it can share what worked.
Community questions
Real people, real experience. Ask a question or help someone out.
- 📒 Budgeting & saving Discussion The month your budget didn’t go to plan A car repair, a family visit, or a bill that arrives at an awkward time can throw off a carefully planned month.…
- 📒 Budgeting & saving Discussion What helps you keep track of bills with different due dates? When bills arrive throughout the month, it’s easy to lose sight of what still needs paying. Some people use a paper calendar,…
Latest guides
All articles →Good to know
Is BudgetSeniors a government website?
No. BudgetSeniors is a private, independent website. We are not connected to Social Security, Medicare or any government agency. Applying for government benefits is always free — be careful with anyone who asks for a fee.
Is the Budget Assistant a financial adviser?
No. The Budget Assistant is an AI that explains benefits and money topics in plain English and points you to the official place to apply or check. It can make mistakes and it is not financial, legal, tax or medical advice. For big decisions, free counselors (like your State Health Insurance Assistance Program for Medicare) can help.
I think someone is trying to scam me. What should I do?
Stop, don't pay and don't share any numbers or codes. Hang up and call the agency or your bank back on a number you look up yourself. If you already paid or shared details, call your bank straight away. Scams: in the US, report fraud at ReportFraud.ftc.gov; the AARP Fraud Watch Network Helpline is (877) 908-3360 (free, for anyone). Medicare: 1-800-MEDICARE (1-800-633-4227). Social Security: (800) 772-1213. Local help for older adults: Eldercare Locator (800) 677-1116. In an emergency call 911; in a crisis call or text 988.
Does it cost anything to ask the Budget Assistant or post in the community?
No, both are free.
What happens to what I type in the chat?
Your messages are sent to our AI provider to write the answer and are kept for up to 30 days so the conversation keeps working. Please don't share personal details such as your Social Security, Medicare or bank numbers. See our privacy policy for more.
Who answers in the community?
Other seniors and caregivers sharing their own experience, and the BudgetSeniors team. New questions often get a quick first answer from our AI, marked "AI answer" until a team member has reviewed it.
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