Creating solutions to America's savings crisis
Saving provides stability in financial emergencies, mitigates inequality, and promotes economic mobility.
Families with a savings cushion of just $250 to $749 are less likely to be evicted, miss a payment, or receive public benefits after a financial shock like losing a job.
71% of children born to high-saving, low-income parents move up from the bottom quartile over a generation.
The simple act of saving money is transformative.
Our programs kickstart a habit of saving.
Savings By Design
EARN works with partner organizations across the United States to deliver scalable savings solutions using our powerful, web-based savings platform.
Program Design Options: We work with partners to create custom savings program that meet the needs of their clients.
Regular Reporting: Our sophisticated reports help partners monitor and understand their Savers' success.
Saver Empowerment: Savers get real-time tracking of their progress and instant access to actionable financial resources.
The EARN Starter Savings Program kickstarts a habit of saving and helps low-income individuals build a financial cushion.
Scalable & Accessible: EARN Starter helps anyone, anywhere start saving through a desktop and mobile platform.
Positive Rewards: EARN Starter incentivizes savings to build habits through quick and easy wins.
Human-Centered: EARN Starter is designed with key insights from our Savers to ensure their success.
EARN believes that short-term, flexible savings lead to long-term prosperity.
We work at the intersection of financial technology and inclusion to foster a lifelong savings habit, build financial skills, and increase capital for low-income families.
We engage organizations throughout the country as microsavings multipliers to increase the impact of savings.
Meet Our Savers
EARN Savers beat the odds
Our Savers are typically asset-poor, do not have a history of saving, and are unable to take advantage of the tools and services that build wealth. Despite their struggles, EARN Savers save an average of $50/month, boosting their economic security and creating prosperity for themselves and their families.
- Average income is just $21,000
- 76% are women
- 79% did not complete college
- 83% identify as a person of color
- 80% work full-time
- Located in 25+ states