Preview · MoneyBadger for Employers · In active development with first-responder partners
MoneyBadger for Employers

A financial wellness benefit your people will actually use.

Financial stress is already on your books. It shows up as distraction, absence, and the people you train who quietly leave. MoneyBadger gives your essential workers a prescriptive plan in their pocket, and gives you an aggregated dashboard that shows the workforce getting healthier, without ever exposing one person's private numbers.

Calculate your ROI See the employer dashboard
Preview, in design with first-responder org partners. Figures on this page are illustrative models, not a guarantee of results or a quoted price.
The need

The cost is already on your books. It is just hard to see.

A financially stressed employee does not file a ticket. The cost lands quietly: a slower shift, an extra sick day, a resignation you did not see coming. Across a workforce, those small leaks add up to a real number.

~6 in 10
U.S. employees report being stressed about their finances, the most common source of stress they name.
~3 hrs/wk
Time a financially stressed employee spends dealing with money worries during the workday.
2x
Financially stressed employees are roughly twice as likely to be looking for a new job.
$104k
A realistic all-in cost to recruit, train, equip, and backfill one firefighter who burns out and leaves.

The first three figures are directional, drawn from widely cited workplace financial wellness research. The replacement cost is a modeled estimate, itemized in the ROI calculator below. Neither predicts the result for any specific employer.

"Having things done for you and not having to think about what I'm going to put where."
An FDNY firefighter, describing what he wanted from a money tool. From MoneyBadger first-responder discovery interviews, March 2026.
ROI calculator

What is financial burnout costing you?

Move the sliders to match your department. The model starts from what it actually costs to replace one firefighter lost to burnout, then estimates how much of that turnover a financial wellness benefit can prevent.

Your department

Three inputs. The cost of replacing one firefighter is itemized on the right.

500
505,000
9%
3%20%
30%
10%60%
How this is calculated

The model starts from the real cost of losing one firefighter:

  • Cost to replace one firefighter: roughly $104,000 all in, itemized on the right (recruiting and screening, the fire academy, turnout gear, field training, and overtime backfill while the seat sits empty).
  • Burnout-driven departures: of everyone who leaves, the slider sets the share where financial stress is a contributing factor.
  • What the benefit prevents: the model assumes a financial wellness benefit prevents 25% of those burnout-driven departures, a deliberately modest figure.
  • Program price: $5 per employee per month, an illustrative placeholder for modeling, not a quoted price.
The cost of burnout

What one departure really costs

$104k
All-in cost to recruit, train, equip, and backfill one firefighter lost to burnout. At your settings, about 14 such departures a year.
Annual cost of burnout turnover
$1.4M
Annual program cost
$30k
Net annual impact
$321k
Return per $1 invested
12x
What one firefighter departure costs
Recruit & screen $9k
Fire academy $42k
Turnout gear $11k
Field training $18k
Overtime backfill $24k
Total to replace one firefighter $104,000

This is an illustrative model for discussion. Actual results depend on your workforce, your existing benefits, and how the program is rolled out. MoneyBadger does not guarantee a financial return.

How it works

One benefit. Three things happen.

MoneyBadger for Employers is built on the same backend as the consumer app and the advisor product. You sponsor it once. Your people get the tool, and you get the view.

Step one

Sponsor it as a benefit

You enroll your workforce and cover the cost, the way you would mental health coaching or an EAP. Employees activate with a code. Their personal finances stay personal, and stay theirs.

Step two

Your people get the full app

A prescriptive budget built for volatile, overtime-heavy pay, not a generic 50/30/20 form. The iOS app, the calculator, and pension modeling built for the public-service tiers most tools ignore.

Step three

You get the aggregated dashboard

Adoption, an aggregate financial health score, and resilience trends for the whole workforce. Enough to know the benefit is working. Never enough to see any individual.

The privacy line

What you'll see. What you'll never see.

A financial wellness benefit only works if employees trust it. The model is the same one that lets you offer mental health coaching: you fund the support, you can see that it is being used and helping, and the personal details stay between the employee and the tool. Trust is the product. We will not trade it for a richer dashboard.

What the dashboard shows you

Aggregated, anonymized signals

  • How many employees enrolled, activated, and stayed active.
  • The aggregate MoneyBadger Score for the workforce, and its trend.
  • The share of people building an emergency buffer or paying down high-interest debt.
  • Cohort views by department or tenure, but only when the group is large enough to stay anonymous.
What stays private, always

Anything that points to a person

  • No individual's transactions, balances, accounts, or debts.
  • No named scores, no leaderboards, no "who is struggling" list.
  • No way to tell whether a specific employee uses the app at all.
  • No cohort small enough to single someone out. Groups under 10 are hidden.

You already know what you pay your people. The dashboard adds the one thing payroll cannot tell you: whether their money is working for them. It does that without ever handing you a window into a private life.

The employer dashboard

See the benefit working, in one screen.

Adoption, an aggregate financial health score, and workforce resilience trends. Open the live demo to walk through it with illustrative data.

moneybadger.us/preview/employerdashboard
MoneyBadger FOR EMPLOYERS Cedar County Fire & Rescue Overview Adoption Financial health Resilience Aggregated and anonymized. Cohorts under 10 people are hidden. No individual data is ever shown. ENROLLED 312 of 540 eligible · 58% ACTIVE 30d 241 77% of enrolled MONEYBADGER SCORE 68 +6 over 90 days EMERGENCY BUFFER 41% up from 29% Aggregate score trend Resilience signals Paying down high-interest debt Saving every month On track to plan Budget streak active
Demo dashboard, illustrative data. Cedar County Fire & Rescue is a fictional employer. All numbers are for demonstration.
Why this, not the usual

Most financial wellness benefits are a webinar and a pamphlet.

Generic financial wellness modules inside an EAP tend to be a library of articles and a once-a-year seminar. They are easy to buy and easy to ignore. MoneyBadger is built to be used on a Tuesday night, by the people most tools were never designed for.

Generic EAP financial module

Built to check a box. Best fit: broad content libraries, low expectations.

  • Articles, webinars, and a hotline most employees never open
  • Generic 50/30/20 advice that breaks on overtime and shift pay
  • No view into whether the benefit is doing anything
  • Not built for first responders or public-service pensions

MoneyBadger for Employers

Built to be used. Prescriptive. Measured, without exposing anyone.

  • A real app and a prescriptive plan, in your people's pockets
  • Built for volatile, overtime-heavy pay and public-service pension tiers
  • An aggregated dashboard that shows the benefit working
  • A privacy line drawn in the design, not buried in a policy
In design with org partners

Bring MoneyBadger to your department.

We are running pilots with a small number of first-responder employers. Join the waitlist and we will bring you into the next cohort. Your people deserve a money tool that meets them where they actually are.