Financial stability drives performance.

Automated saving, behavioral rewards, and workforce insights. Employees build stability. Businesses improve performance.

Your people are carrying financial stress into work every day.

Behind absenteeism, distraction, turnover, and burnout are real employees trying to keep up with rising costs, debt, and financial uncertainty.

Key Statistics:

• 60% of employees live paycheck to paycheck
  Source: PYMNTS, 2024
• ~50% lack the savings to cover a $1K emergency
  Source: Bankrate Emergency Savings Report
• 7+ hrs lost per employee, per week, to financial stress and distraction
  Source: PwC Employee Financial Wellness
• 2× higher turnover risk among financially stressed employees
  Source: PwC Employee Financial Wellness

The financial benefit employees actually use.

Automated saving, behavioral rewards, and guided actions help employees build real savings, and the habit compounds with every pay cycle.

Automated Saving

No willpower required.

Consistent, automated contributions every payday. The right behavior becomes the default.

Behavioral Rewards

Habits that compound.

Streaks, wellness scores, and milestone rewards. Progress is visible and rewarded, so engagement holds.

AI Financial Coaching

Confidential, always on.

Guidance the moment a money decision happens, available year round.

Employees start building financial momentum from their first pay cycle.

Small actions compound into measurable gains in engagement, retention, and productivity, creating a more consistent workforce.

From chaos to financial resiliency.

Traditional programs flatline because they pull a single lever. StashWorks uses milestones to turn small, automated actions into a year of compounding change.

Other programs

Pull one lever. Miss the system.

• Financial education: Workbooks and webinars. Knowledge without the infrastructure to act on it.
• Early wage access: Tomorrow's pay, today. Solves the moment, reinforces the loop.
• Savings apps: Optional contributions that wait for willpower stress already used up.

StashWorks

The complete solution

• Always-on AI coaching: Guidance in the exact moments money decisions happen.
• Set-it-and-forget-it saving: Automated on every payday, before discretionary spending can absorb it.
• Behavioral reinforcement: Streaks and rewards make early habits stick, so engagement keeps climbing.

Month 1

The Weight

Money disappears almost as soon as it arrives. An employee gets paid on Friday. By Monday, the balance is already lower than expected. There is no emergency cushion, so even a small surprise, like a car repair, a medical bill, or a higher utility payment, becomes a crisis.

The stress follows them into work. They may not talk about it, but they feel it. In the background of every meeting, every shift, and every decision is the same question:

Can I make it to the next paycheck?

Living paycheck to paycheck
$0 Emergency savings
Illustrative purposes only. Actual client experience may vary.

Low Lift. Huge Return.

No change management. No operational training. Just a simpler way to help employees build wealth.

Simple Implementation

1. No payroll integration: Employees opt in and enroll in minutes. Zero IT lift, zero HR admin.
2. Security you can trust: FDIC and SIPC insured accounts, enterprise-grade encryption. Employee data and dollars are fully protected.
3. White-glove onboarding: A dedicated team handles comms, enrollment, and manager enablement.
4. Workforce impact in real time: Anonymized, aggregated insights, without exposing personal financial data.

Made for those who lead people.

A benefit that pays for itself.

No payroll integration. No training. No open enrollment. Real results that drive engagement and show up in retention.

Impact of Financial Stress at Work

• Showing up in distraction, conflict, and disengagement.
• Manager burnout: Frontline leaders absorbing crises they can't solve.
• Single-digit utilization: Existing financial wellness tools sitting dormant.

Proven at scale

Built on a platform trusted by millions.

Powered by Stash, the financial platform millions of Americans use to save, invest, and grow.

• 4.7★ Average app store rating
• 1M+ Active subscribers
• $5B+ In assets managed

Your workforce data. Your projected outcomes.

See how improved employee financial stability could translate into stronger engagement, retention, productivity.

Scenario Example:

• Total employees: 500
• Average salary: $65K
• Annual turnover rate: 20%
• OT spend as % of payroll: 8%
• Projected annual ROI · base case: 9.0×
  For every $1 spent, you get $9.04 back.

Financial Breakdown

• Annual Value: $235K
• Net Benefit: $209K
• Cost / Emp: $52
• Program Cost: $26K
• Value drivers:
  • Productivity: $142,500
  • Retention: $44,000
  • Absenteeism: $48,500

See your workforce ROI →