Title: For unions and employers | MoneyBadger URL: https://moneybadger.us/employers [MoneyBadger](https://moneybadger.us/) Discuss a pilot For employers and unions # A personal financial coach for your people. Help your people feel more confident about money, with private coaching built around their profession, their pay and the life they want to build. Bring their income, benefits and next useful step into one picture. Explore the ROI scenario Discuss a pilot Why it matters ## Help take money stress off their shoulders. First responders carry enough pressure at work. Understanding a changing paycheck, making sense of benefits and deciding what to do next should not be another burden they face alone. MoneyBadger is built to make those everyday money decisions clearer, with private support they can return to each payday. 68% of New York survey respondents experienced stress 2025 New York State assessment, more than 6,000 first responders. [New York State findings (opens in a new tab)](https://www.governor.ny.gov/news/supporting-first-responders-governor-hochul-unveils-findings-new-york-states-first-responder) 60.9% identified financial stress as an issue affecting first-responder wellness Oklahoma assessment, 1,166 respondents, surveyed in fall 2024. [Oklahoma report, Figure 4 (opens in a new tab)](https://oklahoma.gov/content/dam/ok/en/okfrwd/documents/OKFRWD%20Wellness%20Needs%20Assessment%20Report%202025_FINAL.pdf#page=12) 54% said they would use financial-wellness classes if available Oklahoma assessment, 1,166 respondents, surveyed in fall 2024. [Oklahoma report, Figure 8 (opens in a new tab)](https://oklahoma.gov/content/dam/ok/en/okfrwd/documents/OKFRWD%20Wellness%20Needs%20Assessment%20Report%202025_FINAL.pdf#page=28) These state surveys describe the need, not measured MoneyBadger results or national prevalence. Financial coaching complements your benefits and wellbeing support; it does not replace mental-health care. [Explore our research](https://moneybadger.us/research). ROI calculator ## What would it take for MoneyBadger to pay for itself? Start with the annual program cost and the avoided departures needed to cover it. Then explore a retention scenario for the same employees over one year. ### Your assumptions Every starting value is an illustrative example, not a verified employer fact. Program price is an illustrative input, not a quote. Replace these values with your own assumptions. 0 5000 0 100% The improvement is a relative reduction in annual departures, not a percentage-point change in turnover or a measured MoneyBadger effect. ### Your annual scenario Avoided departures to break even per year 1 Annual program cost divided by replacement cost: 0.34 departures per year, rounded up to a whole departure above. Compare the annual amounts Annual program cost $60k Potential annual retention savings $0 Net annual savings −$60,000 Bars compare magnitudes on one annual scale. A negative net amount is a loss after program cost. Baseline departures per year 45.00 Scenario avoided departures per year 0.00 Potential savings per $1 spent 0.0x Net savings subtract program cost. Savings per dollar divide potential savings by program cost, before subtracting it. Illustrative model only, not observed savings, a forecast of MoneyBadger results, a guarantee, or a price quote. No employee finances are collected by this calculator. **Show the assumptions and math** Annual program cost = employees x monthly price x 12. Potential retention savings = employees x annual turnover rate x relative reduction x replacement cost. Use the same annual workforce for all inputs. Break-even may exceed the departures in your scenario. The assumed reduction is yours to explore. It is not evidence that MoneyBadger changes retention. For a union, this employer-cost model does not measure the value of a member benefit. The offer ## Explore a benefit built around private coaching. We welcome conversations with employers and unions about a potential pilot. Scope, rollout, support and price would be agreed together before any launch. ### Understand the fit Tell us about your workforce and existing benefits, and what you want a pilot to help you learn. ### Support your people MoneyBadger is a digital financial coach, not a human appointment service. It helps people understand their pay and build a plan around their own circumstances. ### Agree the pilot A conversation is not an activation. We would agree the offer and how to evaluate it before asking your organization to commit. Private coaching ## Sponsor support, not oversight. This offer does not give an employer or union access to a member's private finances. The ROI scenario uses only organization-level assumptions you enter, not member records. Review our [Privacy Policy](https://moneybadger.us/privacy/) for how MoneyBadger handles information. Educational, not financial advice. Employer and union interest ## Bring MoneyBadger to your people. Tell us a little about your organization and how to reach you. We will follow up to discuss the right fit for your people. [MoneyBadger](https://moneybadger.us/) Personalized, educational financial guidance for first responders, nurses, and active-duty service members today. Teachers, veterans, and the rest of the 23.9 million essential workers America runs on, next. #### Product [Get your plan](https://moneybadger.us/snap) [iOS app](https://apps.apple.com/app/moneybadger-budget/id6763796861) [Who it’s for](https://moneybadger.us/who/) [Product](https://moneybadger.us/product/) [FAQ](https://moneybadger.us/faq/) #### Company [Research](https://moneybadger.us/research/) [Methodology](https://moneybadger.us/methodology/) [Blog](https://moneybadger.us/blog/) [Feedback](mailto:feedback@moneybadger.us) #### Resources [Employer resources](https://moneybadger.us/employer-resources) [Research brief](https://moneybadger.us/research/) [FDNY retirement calculator](https://moneybadger.us/fdny-retirement/) [Active-duty pay calculator](https://moneybadger.us/active-duty-pay/) Overtime calculator [Unions & employers](https://moneybadger.us/employers) Patent pending (U.S. Application No. 64/086,646). © 2026 MoneyBadger, Inc. · Educational, not financial advice. 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