Empower your workforce to eliminate debt and boost savings

The only solution that automates flexible debt payoff and savings,  eliminates financial duress, and improves overall health and wellness.

A Surefire Way to Quantify Benefits

Know the value of your benefits beyond engagement 

It’s a win-win.

Your workforce can confidentially benchmark their financial health to measure progress. 

You can measure benefit engagement and quantify ROI using anonymized anonymized data.

Employee Financial Health score dashboard

Schedule a discovery meeting
to recieve up to 100 test assessments

Drowing in Credit Card Debt

According to the most recent Experian analysis, at $8,134 Generation X carries the largest credit card balances. Boomers at $6245 & Millennials at $5649 are not far behind.

We can help structure a payoff plan to dig out faster.

Estimate the payoff of your balance

Amount must be between $1 and $999,999
0.1 99.9
Amount must be between $1 and $999,999
Your monthly payment does not cover the accumulated interest. Input a higher amount
Value must be between 1 and 999

Monthly Payment


Total Interest


Time To Payoff

27 years 9 month

Month Monthly Payment Principal Interest Ending Principal
0 - - - $100,000
1 $1,038 $38 $1,000 $99,962
2 $1,038 $38 $1,000 $99,924
3 $1,038 $39 $999 $99,886
4 $1,038 $39 $999 $99,847
5 $1,038 $39 $998 $99,807

This analysis is an estimate only. This illustrative example demonstrates payoff timelines assuming balance does not increase.
Individual results will vary based on your unique situation.

Student Loan Debt Tools

Your workforce deserves to benefit from their eductation. Unfortunately, it can delay financial goals, like homeownership.  Using this tool, your workforce can:  

  • Locate open student loans and servicers
  • Assess eligibility & apply for Federal student loan savings plans
  • Get paydown scenarios & create a personalized payment plan
  • Use EarnUp to put payment plan on autopilot, fast track payoff, and save on interest fees
Connect student loan accounts on EarnUp platform

Resources & Programs

Total solution. On demand tools. 

State of Employee Financial Wellness 2024 Report

Research Report

EarnUp Overview

EarnUp Overview

EarnUp Special Features

Unique Capabilities

EarnUp Financial Health Score

The FinHealth Score®

EarnUp Credit Card Program

Credit Card Payoff

EarnUp Student Loan Program

Student Loan Payoff

Tangible, Immediate Benefits

Recapture Lost Productivity

Financially stressed employees are often less productive due to distractions and absenteeism.

Reduce Healthcare Costs

There is a direct correlation between financial stress and health issues. By addressing financial well-being, employers can potentially reduce healthcare costs and improve the overall health of their workforce.

Enrollment is Always Open

Employees can embark on a tailored financial fitness plan at any time.

Competitve Benefits Package

Financial wellness programs add value to an organization's benefits package, making it more attractive to current and potential employees.

Increase Job Satisfaction

Employees appreciate employers who care about their financial well-being. Financial wellness programs can boost job satisfaction and morale.

Suitable for All Employees

Your employees are suffering in silence. 8 out of 10 people live paycheck to paycheck. This is not age or tenure specific.

Ready to discuss EarnUp@Work?

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*Interest and loan term reduction are calculated based on the requirement of additional deductions and payments made towards the loan principal over the life of the loan. The loan must be paid to completion with no defaults or payment errors on the account in order to realize the savings. Savings may vary based on your unique EarnUp Program.

Access the State of Employee Financial Wellness 2024 Report

Complete the form below to access your copy of the State of Employee Financial Wellness 2024 Research Report from EarnUp & HR.com.

Start Your Financial Assessment Quiz