Prototype Data saves in this browser · Try the consumer version →
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Benefits OS
Benefits OS

You work for yourself. Let's build the benefits package your employer would normally provide.

An 8-minute checkup shows what you have, what's missing and how much of each payment to set aside — in paid days, not just dollars.

1
Checkup
19 quick questions
2
Score
See why, point by point
3
Plan
3 moves + your split
Build My Benefits Plan →
Already have an account? Log in

Educational planning software. Not tax, legal, investment or insurance advice. We never hold or move your money.
Benefits OS

Log in

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Use your GLAN account. One login for both apps.
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Log in→
New here? Build your plan

Prototype: any password or 4-digit PIN logs in as Erica.
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Welcome back, {{ name }}

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Go to Home→
← Back

Create your account

Then we'll start your checkup.

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Start My Benefits Checkup →

By continuing you agree to the Terms and Privacy Policy. Prototype — no account is actually created.
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Back
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Your answers save as you go.
Calculating

Scoring 7 categories and building your plan…
Your results
Benefits Readiness
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Strongest area
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Biggest vulnerability
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Tap a category to see every point. Scoring config 2027.1.

Your top 3 actions

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Build My Benefits Plan →
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Hello, {{ name }}

Benefits Payday
Got paid? Split it like a paycheck.
{{ paydaySub }}
{{ paydayCta }} →
Last Payday · {{ lastPayLabel }}
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Available to you{{ lastAvail }}
Log your most recent payment to see your first split.
Benefits readiness
{{ total }}/100
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{{ band }} · {{ toNext }} →
Paid time available
{{ paidDays }} paid days
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Benefits wallet
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Emergency income
{{ emMonths }} months
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Next best action
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Open my plan →
This month
{{ monthLogged }} of {{ monthPlanned }} planned
Recent activity
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You have {{ paidDays }} paid days protected. Log your first Payday to start building.
Can I afford to take time off?
Can I take {{ askDays }} days off in {{ askMonth }}?
−
{{ askDays }} days
+
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KFF Benefits Boost · {{ boostYear }}
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Next reward
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Annual paid plans earn Boost rewards for hitting milestones, up to $75 a year.
See plans→
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Pay my Boost as
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Your Personal Benefits Plan

{{ packagePct }} of your target package

Your next 3 moves

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Goal
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Now
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Monthly
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Unlock with Benefits OS →
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Not now

Priorities combine gap size, what you told us matters, urgency and financial risk. Coverage items point you to a licensed professional — we don't recommend products.

Today vs. your target package

BenefitTodayTarget
{{ p.name }}{{ p.today }}{{ p.target }}
Contribution plan
{{ allocTotal }}/month · about {{ allocWeekly }}/week · plus {{ taxMonthly }} tax reserve
See my split →

Time off

One paid day = {{ dayValue }}{{ dayFormula }}Edit income →
{{ paidDays }} of {{ goalDays }} paid days funded
PTO balance
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{{ paidDays }} days
Tax-safe PTO
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Unlock with Intelligence →
{{ taxSafeNote }} Raise tax reserve →
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Can I afford to take time off?
Can I take {{ askDays }} days off in {{ askMonth }}?
−
{{ askDays }} days
+
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{{ ansHead }}
{{ ansBody }}
{{ ansMath }}
{{ ansActLabel }} →
{{ d.name }}{{ d.bal }}
{{ d.funded }} of {{ d.goal }} days
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Yearly goal
−
{{ d.goal }} days
+

Planned time off

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Projected by then {{ p.proj }}
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Remove
No time off planned yet. Add a break and we'll check whether it's funded.
Check & add +
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Benefits wallet

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Log a Payday +

Tracked here, held at your own bank. Connect GLAN to hold and move it here.

New · Powered by GLAN
Hold your benefits money in real pots
Paydays move money into each pot automatically. Take a day off and that pot pays you. Add or withdraw any time.
Connect GLAN→

Held in your GLAN account {{ glanGl }}. Each pot is a locked sub-balance only you can move.

GLAN · not yet in a pot
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Spendable through GLAN send, shops or agent cash-out
Add money+
Move to a pot→
Withdraw↓
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Your split

On {{ monthlyLabel }}/month: {{ taxMonthly }} to taxes, {{ budgetMonthly }} to benefits, {{ ownerPay }} yours to spend.
BucketMonthly% of pay
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Suggested from your gaps, priorities and deadlines. {{ unallocNote }}

History

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No contributions yet.

My benefits

Everything an employer would normally give you, in one place. We find the gaps; licensed partners provide the coverage and accounts.

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Update what you have
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We flag the need before showing any provider. Licensed partners handle quotes, applications, accounts and advice. We never pick a policy or an investment for you.

Tax benefits · 2026

Export for my tax pro ↓
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Built from what you've logged. "May qualify" items are for review with your tax professional.

Year-to-date ledger

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Tax treatment depends on eligibility and individual circumstances. Review with a qualified tax professional.

Add an item

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Add item +
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Tracked items

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Settings

Profile
Income & assumptions
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Data
Export my data
Reset demo data
Start over as a new user
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→
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Benefits Payday✕
Payday logged
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Done ✓
Split it like a paycheck
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Available to you{{ dSpend }}
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I moved it — log {{ dLogged }}✓

Move the money at your own bank, then log it here. We never hold or move funds.
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Why this matters · {{ hoPts }}
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What the partner does
{{ hoPartner }}
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I'm covered now
I'll handle it myself

{{ hoNote }} We may receive a referral fee from partners. It never changes what we flag or how we order options.
Connect GLAN✕
GLAN holds the money. Benefits OS tells it where each dollar goes. One account works in both apps.
Benefits OS will be able to
· See your GLAN balance
· Move money between your own pots
· Never send money to anyone else
Connect and create pots→

Prototype: any 4 digits work. Sample balance of $640 added.
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{{ mxCta }}→
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Show a GLAN agent this code
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Valid 24 hours. Unused funds return to your GLAN balance.
Done→
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✕
Sample partner site · prototype only · not a real company or quote
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Referred by Benefits OS for {{ simName }} · {{ simState }}. Sample prices.
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Continue to application→
Apply for {{ simChoiceName }}
{{ simChoicePrice }} · pre-filled from Benefits OS with your permission
Full name
{{ simName }}
Email
{{ simEmail }}
State
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Work type
Self-employed
{{ simConsentMark }}I agree {{ simBrand }} may contact me about this application and tell Benefits OS whether my coverage becomes active. Benefits OS never sees my medical or underwriting answers.
Back
Submit application→
Application received
{{ simChoiceName }} · {{ simChoicePrice }}. Reference {{ simRef }}. A licensed agent will confirm your details, usually within 2 business days.
Benefits OS now shows this as Applied. When the partner confirms, it turns Active and your readiness score updates.
Return to Benefits OS→
Demo: skip ahead to partner approval→
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Start {{ pwTier }}→
Not now

Prototype: no charge. This only switches the tier.