Top Your Money Line Alternatives
Betterment
betterment.com
Managing a 401(k) is challenging. That’s why Betterment at Work makes it simple for employers to offer a high quality 401(k). From ongoing administrative support & investment management, tailored plan design and streamlined payroll integrations – we do the heavy lifting so you don’t have to. Give your employees access to an easy-to-use, powerful investing & retirement savings solution with Betterment at Work’s customizable portfolios, personalized financial guidance, ability to link to external accounts and various complementary wealth-building, savings, and investing tools – all accessible through our mobile app. With Betterment at Work, your 401(k) can also be enhanced with new features like offering a 401(k) match on student loan payments as well as additional financial benefits like our Student Loan Management, 529 Education Savings & 1:1 Financial Coaching benefits*. With this modern mix of 401(k) and financial wellness benefits, as well as accessible education and tools, Betterment at Work can help you attract & retain happy employees while providing benefits they need to accomplish their financial goals. *Student Loan Management by Betterment at Work (“SLM”) is provided in partnership with Spinwheel. 529 accounts and their plans are held and managed by program administrators and managers outside of Betterment. SLM, 529s, and Financial Coaching services are only available as part of a bundled offering with a Betterment 401(k) in the Pro or Flagship plan; additional fees apply for use in the Pro plan, services not available in the Essential plan.
Castlight
castlighthealth.com
Motivate healthy habits. Engage employees every day with a comprehensive wellbeing solution that promotes healthy minds, bodies, and wallets.
Alight
alight.com
From hire to retire, and beyond, your people depend on you for resources that will enhance their health, wealth, and wellbeing. Put the power in their hands with data and technology that provides clarity through timely, broader connected insights. Drive better outcomes for your people and for your business.
Instant Financial
instant.co
A pioneer of flexible employee pay solutions, Instant Financial provides financial wellness solutions to businesses, allowing employees to take control of their finances, and get paid how they want, when they want and where they want. From earned wage access, digital employee tips, and electronic paycards, Instant is a single-source provider of employee pay, helping organizations level-up their employee benefit offerings. Employers who offer fee-free, flexible employee pay options set their business apart from the competition, attract top talent and build a committed, enthusiastic team – and they enjoy benefits that boost the bottom line: • 30% more job applicants • 25% lower absenteeism • 20% lower turnover Learn more at instant.co.
DailyPay
dailypay.com
On-Demand Pay That You Can Trust. Introducing Friday by DailyPay™ Friday, a Visa® prepaid card and app, is our latest offering and gives employees instant, no-fee access to their earned pay. Join the industry-leading companies that trust DailyPay to help employees take control of their finances.
Sequoia One
one.sequoia.com
Sequoia One’s purpose is to help your high tech business thrive by taking care of the administrative burdens that are distracting you from the bigger picture. We offer competitive benefits and outsourced HR designed for innovative, growth-minded companies. We know how important it is to attract and retain talent, streamline and scale your operations, stabilize HR costs, and protect your business. Let us do that heavy lifting so you can focus on getting your business to the next level.
Branch app
branchapp.com
Branch helps businesses accelerate payments to empower working Americans. Businesses turn to Branch for a more cost-effective, faster way to pay workers and reduce the costs of paper checks and paycards. Workers and independent contractors that sign up with Branch can receive a zero-fee bank account, free instant access to earned wages, and auto-budgeting tools to help them manage their cash flow between paychecks. Branch partners with some of the nation’s leading payroll and workforce technologies to support employers in retail, restaurant, logistics, manufacturing, and healthcare.
SmartDollar
smartdollar.com
SmartDollar is an employee financial wellness program from Dave Ramsey. Employees learn how to budget, get out of debt, save for the future, and retire with confidence.
Earnin
earnin.com
Recruit, retain and improve employee productivity with the Earnin benefit. Earnin is a Financial Wellness platform specifically designed to help employees avoid debt, pay their bills, save for the future and reduce financial stress by enabling access to their pay as they work. Our core Cashout product supports employees from over 50,000 business across the US and we have provided access to over $10 billion in earnings. Our mission is to help employees live better financial lives. Earnin technology is unique as the only provider with Zero integration needed. This means an easy rollout in days. We're likely helping some of your employees already - get in touch to find out how. Additional features: - Balance shield: Employees receive notification if their bank balance falls below a certain amount to help them avoid an overdraft fee. - Budgeting: We automatically pull in recurring expenses to help employees see what bills are upcoming and budget around them - Tip Yourself: This is a unique savings product where employees can easily create custom savings jars to save for an emergency fund, vacation, education etc.
Forma
joinforma.com
Companies spend millions annually on employee benefits that employees neither value nor regularly use. Founded in 2017, Forma set out to build a better model by challenging traditional one-size-fits-all approaches. Forma’s flexible benefits software helps companies offer competitive benefits packages while reducing costs and inefficiencies, by giving employees more choice and flexibility in how they spend their benefit allowances. The platform also saves HR professionals countless hours managing and supporting various point solutions. Using Forma, companies can select from a suite of products that include Lifestyle Spending Accounts, Health Spending Accounts, Health Reimbursement Arrangements, Flexible Spending Accounts, and more to design and deliver customized benefits programs–all through a single platform. Employees then have three choices to spend account funds: The Forma Store with discounted products and services, The Forma Visa Card, or claim reimbursement backed by Forma’s world-class member support team. Forma has helped hundreds of the world’s most admired companies, including Stripe, Zoom, Lululemon, and Affirm, design and support flexible, inclusive benefits programs for nearly a million employees. And, we are seeing great success with 98% customer retention, 75 NPS, and 98 CSAT ratings from members. Forma is backed by Emergence Capital and Ribbit Capital and has received numerous awards for its exponential growth, its software innovation, and as a “Great Place to Work.”
MoneyWellth
moneywellth.com
MoneyWellth is a comprehensive financial application that can help users learn about important financial topics, from having a baby to planning for retirement. MoneyWellth has an extensive library of videos, articles, calculators, and more to help users learn about the financial topics that matter most to them. The app has powerful tools to help users track spending, create budgets, and a number of other helpful tools to help users reach their financial goals. We don't advertise or promote products to our users, we only offer unbiased recommendations of what is in their best interest
Brightside
gobrightside.com
Brightside helps people make the right money moves - from accessing emergency cash to consolidating credit card debt and managing student loans.
Compt
compt.io
Compt is the #1 perk stipend software that's fully customizable to your company's needs, 100% IRS-compliant, and able to support global teams. With Compt, you can easily offer ready-made and custom perk stipends that delight your employees without the administrative burden it typically takes to manage an employee perk or stipend program. Pick from 25 major categories of spending (e.g. health & wellness, learning & development, meal, cell phone) and invite your people to use their funds, while our software manages the rest. Compt keeps your employees regularly updated on their balance and usage information, maintains full tax compliance, and ensures your HR team has a central and easy-to-use platform to manage perks that’s inclusive and flexible to your business’ unique needs. In addition to perk stipends and spot bonus capabilities, Compt offers an expense management tool. Employees can submit expenses and attach any necessary documentation in the same platform, making it a truly comprehensive employee reimbursement solution. Compt was founded in January 2018 and is headquartered in Boston, MA. Learn more at www.compt.io.
Nova Benefits
novabenefits.com
Nova Benefits is an employee wellness platform centred on corporate health insurance. Founded by Saransh Garg (CEO) and Yash Gupta (CTO), Nova Benefits is on a mission to build happier and healthier workplaces for everyone by making health insurance personalised and easy to use for all employees. Over the last two years, 350+ companies have been insured with Nova Benefits, with 175,000+ members covered, and 10,000+ claims processed. Their esteemed clientele includes Snapdeal, HomeLane, Clear, Rupeek, Zinier, and Junglee Games, among others. For HRs and Admin teams, Nova Benefits empowers workplaces with a superior claims experience, HR workflow, self-serve employee portal, health benefits, personal insurance experiences, and add-on wellness benefits. The B2B SaaS startup has raised $10M Series A from investors that include SIG, Bessemer, Multiply Ventures, Better Capital & Titan Capital.
Best Money Moves
bestmoneymoves.com
Best Money Moves is a mobile-first service designed to help people measure financial stress and then dial it down in order to get control of their financial lives. The service is sold to employers who then offer it to their employees as a free employee benefit. We don’t sell anything. There are no ads. And, there are no hidden tricks. Our only goal is to help people make smarter moves with their money by providing award-winning information, easy-to-use tools, a point-based reward system, and a unique content-mapping system that solves financial problems quickly and easily. And for employers, less financially-stressed employees translates into a happier, healthier and more productive workforce.
Questis
questis.co
Questis is a workforce financial empowerment company providing a complete personal finance solution. We help businesses become life-changing employers by helping employees solve the root causes of financial stress and cultivating financially resilient workforces. We transform people’s relationships with money through deep financial healing and an easy-to-follow path to financial empowerment. Our innovative solution meets people at the paycheck with solid behavioral science, personalized, predictive planning, real-person coaching, and a modern, friendly user experience. Learn more at questis.co.
Noyo
noyo.com
The Noyo benefits data platform is the infrastructure solution for ben-admin, HRIS, and HR systems that want to transform the way they manage member enrollment and eligibility. Collect, clean, and transmit key member data with one safe platform. Easily connect to leading insurance carriers through the Noyo platform and start sending them member changes over API; no more file feeds or data entry required. You'll reduce operational overhead, get faster change processing, and deal with fewer coverage errors. It all adds up to a better experience and benefits your customers can trust.
Kota
kota.io
Kota provides simple and borderless access to health, life, and retirement providers globally with real-time enrolment, flexible contributions, and an employee app. ⭑ Control: Set contribution amounts per team and country, cap costs, get local benchmarks, and enrol and unenroll with a click. ⭑ Save: Manage spending, remove reporting admin, and say goodbye to broker fees. ⭑ Engage: Your team has the flexibility to make their own choices and make changes in a tap.
Healthee
healthee.com
Healthee is changing the health benefits experience by making it easier, faster, and more efficient to use your health insurance and get care.
ZayZoom
zayzoon.com
ZayZoon is the financial empowerment platform for SMBs. With ZayZoon, payday finally comes with the push of a button. It’s free for employers and takes only 30 minutes to implement. Employees can use ZayZoon to get paid whenever, however. The platform also offers educational resources and tools to help workers break the paycheck-to-paycheck cycle. And it works. 89% of employees who use ZayZoon report less financial stress and employers who offer ZayZoon boast a 29% reduction in turnover.
OrbisPay
orbispay.me
OrbisPay provides a Wages On-Demand™ solution that allows employees to get instant access to their earnings ahead of their paycheck. We believe that everyone should have access to the money they earn in order to pay their bills, rent, and handle emergency expenses. Our products and services help improve retention rates, increase productivity at work, save costs associated with turnover and achieve an overall financial well-being culture for your workforce.
BrightDime
brightdime.com
BrightDime offers everything your company needs to succeed with financial wellness today.
Savology
savology.com
Savology's modern financial wellness benefit actually makes a difference in employees’ lives through personalized financial planning, coaching, and education. By partnering with Savology, employers are able to affordably provide employees with a comprehensive financial plan, financial wellness scores and report card, personalized recommendations that provide actionable next steps, 1-on-1 access to our financial coaches, financial education, and much more.
GoKlaim
goklaim.com
GoKlaim is a software that helps employers offer health and wellness benefits to their employees in a simple and flexible way. With GoKlaim, employees can access a health spending account through a mobile app, where they can submit claims for a variety of eligible expenses, from medical and dental care to education and personal development. Employees can also view their account balance, add dependents, and get reimbursed quickly and easily. Employers can customize the plan according to their needs and budget, adjust the categories and subcategories of expenses, and rollover the unused funds to the next year. GoKlaim also provides analytics and reporting tools to help employers monitor and optimize their benefits spending. GoKlaim is a great solution for companies that want to provide their employees with a personalized and hassle-free health and wellness benefits experience. Learn more about GoKlaim by visiting us at www.goklaim.com
League
league.com
Founded in 2014, League is a technology-focused health company powering the digital transformation of healthcare. Employers, payers, pharmacy retailers and healthcare providers use our award-winning platform to deliver integrated and personalized health experiences that drive consumer engagement. Millions of people across the world use digital health platforms powered by League to access, navigate and pay for care.
Benepass
getbenepass.com
The flexible benefits platform for people-first companies. One-size-fits-all employee benefits don’t work for today’s global workforce. Give your employees flex benefits that adapt to their lifestyles.