Reach Your Money Goals & Take Charge of Your Budget!

Nearly 3 million people have conquered debt faster, saved on interest, and achieved their financial dreams with our automated tools – and you can too!

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Do You Know Your Financial Health Score?

Take a quick, confidential 8-question quiz to see how you’re doing in key financial areas. Get personalized tips to reach your goals faster and take control of your financial well-being.

It’s easy, actionable, and only takes 2 minutes! Start now!

Employee Financial Health score dashboard

Do You Know Your
Financial Health Score?

Employee Financial Health score dashboard

Take a quick, confidential 8-question quiz to see how you’re doing in key financial areas. Get personalized tips to reach your goals faster and take control of your financial well-being.

It’s easy, actionable, and only takes 2 minutes! Start now!

A Simple Way to Reach Your Financial Goals

You’ve got financial goals. EarnUp can help you automate the activities to get you to those goals easier and faster

That can include building emergency savings, paying down high interest rate debt, or accelerating the payoff of student loans, mortgage, personal, or auto loans

The best part is you can begin to see results fairly quickly

Want to see how much you can save? Use our savings calculator!

A Simple Way to Reach Your Financial Goals

You’ve got financial goals. EarnUp can help you automate the activities to get you to those goals easier and faster

That can include building emergency savings, paying down high interest rate debt, or accelerating the payoff of student loans, mortgage, personal, or auto loans

The best part is you can begin to see results fairly quickly

Want to see how much you can save? Use our savings calculator!

What's Included in Your EarnUp Program

EarnUp can help throughout every phase of your financial life. In fact, EarnUp customers use our services for an average of 14 years.

EarnUp Overview

Overview of Your EarnUp Program 

Learn all about EarnUp and how we help people pay it down and save it up

EarnUp Features

Unique Features & Tools

From flexible scheduling to smaller more managable payments

EarnUp Credit Card Program

Credit Cards Pay Off Program

Beyond minimum payments: conquer credit card balances

EarnUp Student Loan Program

Student Loans Savings Program

Instantly assess eligibility for Federal Savings Programs

Small Steps = Big Wins

See How Other Uses Earnup to Achieve Financial Success

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credit cards

Credit Card Debt Holding You Back?

If you make only the minimum payment, a $10,000 credit card balance could cost you $16,056.59 in interest and take 346 months to pay off.
 
We’ll help you outsmart interest by splitting payments up into 2 or more smaller monthly increments so your payments exceed the minimum.
credit cards

Credit Card Debt Holding You Back?

If you make only the minimum payment, a $10,000 credit card balance could cost you $16,056.59 in interest and take 346 months to pay off.
 
We’ll help you outsmart interest by splitting payments up into 2 or more smaller monthly increments so your payments exceed the minimum.

Calculate Your Credit Card Payoff

$
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
months
Value must be between 1 and 999

Monthly Payment

$1,038

Total Interest

$245,571

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 Pay Off Tools

Your education should move you toward your financial goals, not prevent you from reaching them. 

  • 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
  • Optional acceleration program fast tracks payoff & saves on interest fees
student loan screens on 3 phones
student loan screens on 3 phones

Student Loan Pay Off Tools

Your education should move you toward your financial goals, not prevent you from reaching them. 

  • 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
  • Optional acceleration program fast tracks payoff & saves on interest fees

Enrollment is similar to setting up autopay with your bank.

During enrollment you'll be asked for the following:

  • Bank Information: account & routing numbers for debits
  • Loan Information: most recent statement to confirm loan and loan payment details
earnup dashboard

Calculate Your Potential Savings

Estimate interest savings and loan payoff acceleration on a bi-weekly schedule. Your actual savings will differ.*

Note: There is no change to interest rates or loan terms. This is not a debt consolidation tool.**

**Interest and loan term reduction are net of EarnUp’s Program fees and 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.

Copyright © 2024, EarnUp Inc.

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Start Your Financial Assessment Quiz

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.