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.
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.
Employee Passport Overview
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
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.