Financial wellness benefit
The money benefit people actually open.
Most financial wellness programs are a library of articles nobody reads. Prosperus turns an employee's own income, spending, and savings — connected automatically or entered by hand — into one clear budget, and answers their real questions about it in plain language.
59%
of employees are financially stressed
PwC's 2026 Employee Financial Wellness Survey found that 59% of workers report being stressed about their finances. Financial stress also affects mental health, sleep, self-esteem and workplace productivity.
Source: PwC, 2026 Employee Financial Wellness Survey
3 hours
lost each week worrying about money
U.S. workers report spending about three hours per week at work worrying about their personal finances. 75% of employers surveyed said employees' financial stress negatively affects business operations.
Source: PNC, 2024 Financial Wellness in the Workplace Report
9 in 10
employers report measurable returns
Among employers offering financial wellness programs, 9 in 10 report measurable returns, including improvements in employee satisfaction, productivity, engagement and retention.
Source: Bank of America, 2026 Workplace Benefits Report
Privacy
You will never see an employee's finances. Neither will we, more than we must.
Nothing individual, ever
Employers see participation rates and nothing else. No balances, no transactions, no names attached to any figure.
Aggregates only, above a floor
Reporting is suppressed for small groups, so nobody can be identified by narrowing a filter.
We never hold bank credentials
Connections run through Plaid, the same infrastructure used by major banks. Access tokens are encrypted at rest.
This matters commercially, not just ethically: an employee who suspects their employer can see their spending will not connect an account, and a benefit nobody connects is a benefit nobody uses.
Read our full privacy policy →How it works
Four minutes to set up. Then it runs itself.
- 01
Employees get their own budget
A private copy of the Prosperus template. Every figure gets written there, and it stays theirs — including after they leave.
- 02
They connect a bank, or enter it by hand
Transactions, balances, and income can import automatically, or an employee can type in their own numbers directly. Either way, the budget fills in the same way.
- 03
They ask questions in plain English
“Can I afford this trip?” “What would it take to save $100 more a month?” Answered using their own numbers — not investment advice, just the everyday math that actually moves a budget.
Every other tool is a box they rent. This one leaves something behind.
When an employee leaves, most benefits end with their last day and the data goes with the vendor. A Prosperus user keeps a working budget of their own finances — which is a better thing to have given them than a login they lose.
Common questions
What buyers usually ask.
What does setup require from our IT team?
Almost nothing. There's no software to install and no data to migrate — employees sign up with a work email, and connecting a bank account (if they choose to) goes through Plaid, the same infrastructure banks themselves use. Most pilots are live within a day of sending invitations.
What if an employee doesn't want to connect their bank?
They don't have to. Every figure can be entered by hand instead, and the budget works the same way either path they choose. Participation is also entirely optional — nothing is automatically shared with us or with you if someone doesn't sign up.
Is this a compliance or liability risk for us?
Prosperus never gives investment advice — it works with the numbers an employee enters or connects, the same kind of budgeting math a person would do themselves. We're not a bank, broker-dealer, or registered investment advisor, and employers never have access to any employee's individual financial data, which removes the liability most companies worry about with this kind of benefit.
What happens if adoption is low?
You'll know early. The admin dashboard shows real participation numbers throughout the pilot, not just a final report — so if something isn't landing, there's time to adjust messaging or follow up before the pilot ends, rather than finding out after the fact.
See it with your own numbers.
We're onboarding a small number of teams at a time so we can set each one up properly.