Keeping Up for Teams

The financial wellness benefit that answers the question employees actually ask.

Not “how do I budget?” — “am I doing okay?” Keeping Up shows each employee where they stand against people their age, in their city and industry, using their real accounts. You get an anonymous, aggregate picture of workforce financial health — and never an individual’s data.

Start a free 3-month pilotTry the benchmark calculator

Three pilot spots for the first employers. No cost, no procurement cycle — a two-page pilot agreement and a DPA.

What employees get

A real peer comparison

Net worth, savings rate, spending, retirement and investments — benchmarked to the same age band, metro and industry, not “the average American.” Modeled from Federal Reserve, BLS and Census microdata and blended with anonymized member data as cohorts grow.

Their accounts, automatically

Bank, brokerage and retirement accounts connect through Plaid in about two minutes. Credentials never touch Keeping Up.

Advice grounded in the numbers

Goals, a weekly digest, and an advisor that reasons from where the employee actually stands — on web and iPhone, with Pro included for the pilot.

What you get

A workforce report, emailed monthly during the pilot and quarterly after, covering:

  • Participation — employees enrolled, connected, and active in the last 30 days
  • Median savings rate, compared with your industry’s peer cohort
  • Emergency-fund coverage — months of spending in liquid assets, and the share of employees above three months
  • Median debt-to-income
  • Where employees sit, on median, within their own peer cohorts

Every financial figure requires at least 25 contributing employees and is reported only as a median. Below the floor the report shows participation counts alone. There is no employer dashboard and no employer login — by design, there is nothing to browse.

Pricing

Pilot

Free

3 months. Full product for every participating employee, the workforce report, and direct access to the founder. In exchange we ask for a short case study and honest feedback. Three spots.

After the pilot

$50 / active employee / year

Employer-paid, billed annually on employees who actually use it. Covers half of Keeping Up Pro; employees pay the other $49/year directly, which keeps the data theirs and the incentive honest.

Want to cover the full cost for employees? Ask — we’ll price it at $99 per active employee per year.

How a pilot runs

Week 0

Sign a two-page pilot agreement and DPA. We create your program and send a join link, code, and announcement copy.

Week 1

Announce it. Employees sign up with any email and enter the code — no directory upload, no IT ticket.

Months 1–3

Employees use the product. You receive the workforce report on the first of each month, and we check in once a month.

Wrap-up

A closing report, a short case study, and a yes/no on continuing at the standard rate.

Privacy & security

  • Individual employee data is never shared with an employer, under any circumstance.
  • Aggregate figures require a minimum of 25 contributing employees per figure and are medians only.
  • Employees enroll voluntarily with any email address and can leave the program at any time.
  • Bank connections are handled by Plaid; Keeping Up never sees credentials.
  • Encrypted in transit and at rest; hosted in the United States; written information security program aligned to the FTC Safeguards Rule.
  • A security overview and Data Processing Agreement accompany every pilot. Details at keepingup.com/security.

Common questions

What does the employer actually see?
One emailed report — monthly during the pilot, quarterly afterwards — with participation counts and workforce medians: savings rate (vs. your industry), emergency-fund coverage, debt-to-income, and where employees rank in their own peer cohorts. Every financial figure requires at least 25 contributing employees; below that, the report shows participation only. There is no employer login and no way to see an individual.
How do employees join?
You get a join link and code. Employees sign up with any email (personal or work), enter the code once, and that's it. Participation is voluntary and an employee can leave the program from Settings at any time.
What do employees get?
Full Keeping Up Pro for the length of the pilot: bank, brokerage and retirement accounts connected through Plaid; net worth, savings rate, spending and investment benchmarks against people their age in their city and industry; goals; and a benchmark-grounded advisor. Web and iPhone.
What does it cost after the pilot?
$50 per active employee per year, paid by the employer, which covers half of Keeping Up Pro. Employees who want to keep going pay the remaining $49/year themselves — the same price as our best consumer rate — so your spend tracks people who actually use it, not headcount.
Is there SSO or an HRIS integration?
Not yet. Join codes were chosen deliberately: no employee directory is uploaded, so there is nothing to sync and nothing to leak. SSO is on the roadmap for larger deployments.
How is data protected?
Bank credentials never touch Keeping Up (Plaid handles the connection). Data is encrypted in transit and at rest, hosted in the U.S., and governed by a written information security program aligned to the FTC Safeguards Rule. A security overview and a Data Processing Agreement are provided with every pilot.

Run one of the first three pilots

Email the founder directly. You’ll get a reply, a 20-minute walkthrough, and the pilot agreement — nothing else in between.

teams@keepingup.com