About Earn

Everyone dreams of a better future for their family. For low-wage families, those dreams may be about going to college, buying a first home, starting a business, or having savings to fall back on during tough times.

But for millions of Americans, those dreams can seem unreachable. That's where EARN comes in.

EARN is a nonprofit that gives low-income working families the power to create prosperity for generations.

As the nation’s leading microsavings provider, EARN gives families the tools to build wealth and achieve life-changing goals such as saving for college, buying a first home, or starting a small business. Since 2001, we have helped tens of thousands of low-wage families in the San Francisco Bay Area through innovative financial products including matched savings accounts, checking accounts for the unbanked, and financial coaching.

The EARN Research Institute evaluates the impact of EARN’s work and publishes original data, sharing lessons learned and best practices. We use this unique grounding in rigorous applied research and direct service experience to transform the financial services landscape and to champion effective public policies.

EARN's ultimate vision is that millions of well-informed, low-wage American families will achieve financial success through proven strategies, fair public policy, and their own hard work.