Give Your Employees Financial Peace of Mind
Financial stress costs U.S. employers over $250 billion per year in lost productivity. Financial Fitness Passport™ gives every employee a personalized AI-powered coach to build real financial wellness — not just financial literacy.
See how Financial Fitness Passport works for your team
A Financial Benefit Employees Actually Use
Most financial wellness programs are webinars nobody attends. Financial Fitness Passport™ is an interactive, personalized platform employees return to week after week.
Reduce Financial Stress
Employees with a clear financial picture feel less anxious and more focused. Penny AI is available 24/7 — even at 2am when worry peaks.
Boost Productivity
Financially stressed employees lose up to 25% of productive work time to personal finance worries. Clarity changes that.
Attract & Retain Talent
Financial wellness is now a top-3 benefit candidates evaluate. Offering this signals you invest in the whole employee — not just their salary.
How It Works
Up and running in under two weeks with zero IT burden.
We Onboard Your Team
We handle setup and provide a full launch kit — email templates, Slack messages, and a kickoff session with your HR team.
Employees Sign Up Free
Your employees receive a unique invite link and sign up for free. No credit card required, no IT installation needed.
They Build Their Passport
Employees complete their financial profile across 8 modules: cash flow, debt, insurance, investing, retirement, and more.
You See Results
Track aggregate engagement and wellness score improvements in your HR dashboard — with zero individual data exposure.
Meet Penny™
Penny is your employees' always-on AI financial companion — available at midnight, during lunch, or whenever financial stress surfaces. She meets employees where they are, in plain language, without judgment.
Penny knows her limits: For complex tax, legal, or investment questions, she refers employees to your EAP, HR resources, or a licensed professional — keeping your benefits ecosystem connected.
Everything Employees Need in One Place
Cash Flow Clarity
Track income, expenses, and savings rate to understand where money goes each month.
Emergency Fund Tracker
A progress bar toward 3–6 months of expenses — the single biggest financial stress reducer.
Debt Payoff Planner
Snowball or avalanche — employees pick their strategy and watch debt fall with each update.
Insurance Review
Life, disability, property — employees see exactly what coverage they have and what gaps exist.
Investment Tracker
Accounts, balances, contributions, and asset allocation in one clear view — not advice, just clarity.
Retirement Number™
Each employee gets their personalized Retirement Number — the savings target that makes retirement concrete.
Progress Employees Can See and Be Proud Of
Each financial module has Bronze, Silver, and Platinum levels. As employees improve, they level up — creating a sense of accomplishment that drives long-term engagement.
Bronze
Getting started. The basics are in place.
Silver
Building momentum. Meaningful progress made.
Platinum
Financially strong in this area. Maintain and grow.
Passport Score
One overall number from 0–100 showing total financial health.
Why Financial Fitness Passport vs Other Wellness Programs
Every company already has an EAP or a wellness portal. Here is why this is different.
Built for Engagement, Not Just Access
The biggest risk with any wellness benefit is adoption. Financial Fitness Passport™ is designed from the ground up to drive ongoing participation — not a one-time login.
- Penny™ AI keeps users returning with personalized guidance and milestone coaching
- Gamified Bronze → Silver → Platinum progression creates intrinsic motivation
- Module-by-module structure means users always know their next step
- Works on any device, in any browser — no app install required
- Runs alongside your EAP, HSA, and existing benefits stack with zero conflict
- Actively improve employee financial habits over time
- Offer a benefit with measurable, trackable outcomes
- Give employees a 24/7 financial resource that isn't a call center
- One-time financial education content only
- A passive resource library employees access on their own
- Individual investment advice or tax preparation
See the Financial Fitness Passport Experience
This is what your employees see when they sign in — their Passport Score, progress across every financial module, and the exact next steps to take.
Simple, Seat-Based Pricing for Every Size Team
Employees access the platform free. You pay per seat — with volume discounts as you scale.
Priced per employee per month. Comparable to other employee wellness benefits, with higher engagement rates.
Small Business
Up to 50 employees
Mid-Market
50–500 employees
Enterprise
500+ employees + custom branding
Frequently Asked Questions
Everything HR leaders need to know before bringing Financial Fitness Passport™ to their team.
Have additional questions?
Contact Our TeamReady to Make Financial Wellness a Real Benefit?
Tell us about your team and we'll put together a custom program and pricing.
Seat-based pricing
Pay only for the employee seats you provision. Volume discounts apply automatically. Annual plans save 10%.
Seat-based pricing
Graduated tiers — the more seats you bring, the lower your blended rate. Annual plans save 10%.
| Seat range | Monthly | Annual (10% off) |
|---|---|---|
| 1–100 seats | $5.00 / seat / mo | $54.00 / seat / yr |
| 101–1,000 seats | $4.50 / seat / mo | $48.60 / seat / yr |
| 1,001–5,000 seats | $4.00 / seat / mo | $43.20 / seat / yr |
| 5,001–10,000 seats | $3.50 / seat / mo | $37.80 / seat / yr |
| 10,001–20,000 seats | $3.00 / seat / mo | $32.40 / seat / yr |
| 20,001+ seats | $2.50 / seat / mo | $27.00 / seat / yr |
Same model for employers, banks, credit unions, broker-dealers, private-label deployments, and reseller-managed organizations. Advisor firms use a separate base + client-overage plan.