Financial stability drives performance.

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

Calculate your ROI
Real talk

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.

Employee managing daily expenses
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
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.

Behavior change that sticks

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.

StashWorks customer sharing their financial progress story

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
MONTH 1: THE WEIGHT

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.

01

No payroll integration

Employees opt in and enroll in minutes. Zero IT lift, zero HR admin.

02

Security you can trust

FDIC1 and SIPC insured accounts, enterprise-grade encryption. Employee data and dollars are fully protected.

03

White-glove onboarding

A dedicated team handles comms, enrollment, and manager enablement.

04

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.

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
As reviewed by
CBSTechCrunchBloombergBusiness InsiderWall Street Journal

Your workforce data. Your projected outcomes.

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

500
10050,000
$65K
$40K$150K
20%
5%60%
8%
2%25%
Scenario

Estimates are illustrative, based on industry-standard assumptions. Run a tailored model with our team.

Projected annual ROI · base case
9.0×
For every $1 spent, you get $9.04 back.
Annual Value
$235K
Net Benefit
$209K
Cost / Emp
$52
Program Cost
$26K
Value drivers
Productivity
$142,500
Retention
$44,000
Absenteeism
$48,500

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By using this website, you agree to our Terms of Use and Privacy Policy and acknowledge that the information provided is for informational purposes only. Stash does not provide comprehensive financial planning services. Stash Financial, Inc. is a digital financial services company offering products to U.S.-based consumers. Stash is not a bank or depository institution. Advisory products and services are offered by Stash Investments LLC, an SEC registered investment adviser.

Stash Capital LLC, an SEC registered broker-dealer and member FINRA/SIPC, acts as introducing broker for Stash's advisory accounts. Apex Clearing Corporation, a third-party, SEC registered broker-dealer and member FINRA/SIPC, provides clearing and execution services and serves as qualified custodian for advisory assets. To note, SIPC coverage does not insure against the potential loss of market value. FINRA BrokerCheck reports for Apex Clearing are available at https://brokercheck.finra.org/.

Investment products offered by Stash Investments LLC and Stash Capital LLC are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Market data Source: LSEG Data & Analytics, in partnership with: LSEG FX, in collaboration with: LSEG Risk Intelligence.

For more information, see our disclosures. Stash supports an accessible internet. If you have any questions about our features, please contact us at [email protected]. Information provided by Stash Support is for informational and general educational purposes only and is not investment or financial advice.

1 Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

Stash provides access to investment and banking accounts under each subscription plan. Each account type is subject to different regulations and limitations. You will also pay standard expenses included in ETF pricing and any applicable ancillary service fees charged by Stash or its custodian. Additional fees apply to the bank account. See the Advisory Agreement and Deposit Account Agreement for details.

* App Store ratings are based on user ratings that are recorded through surveys structured to make it equally easy for a participant to provide favorable and unfavorable responses and are subject to change. Reported ratings are as of May 2025. Ratings are independently compiled by Apple, and Stash cannot change or hide reviews. Stash compensates Apple for hosting our app, but not for collecting or compiling reported ratings. Subscriber and assets managed statistics based on Stash internal data as of October, 2025.

© 2026 Stash Financial, Inc.

StashWorks · Financial stability as a workforce performance driver