A direct approach to developing a personal financial plan. No bank linking needed.
Each stage builds on the last. Your people finish all three in about 30 minutes and have a full financial roadmap.
Enter income and expenses. See exactly where after-tax money goes. Includes automatic tax calculation.
Allocate savings across goals -- emergency fund, retirement, debt payoff -- then see the full picture in a plan summary.
Model retirement spending and run what-if scenarios. See whether savings will last -- and what changes would help.
Every employee also gets access to financial education and standalone calculators -- no extra cost, no separate login.
A built-in learning curriculum covering budgeting, saving, and retirement basics. Employees work through short lessons with real examples, knowledge checks, and optional application tools.
Quick calculators employees can use without logging in. Useful for one-off questions, benefits enrollment, and new-hire communications.
Your people need more than a balance on a statement or an expense tracker. They need the ability to understand the path they're on.
| Waterfall Planning | 401(k) Provider | Budgeting Apps | |
|---|---|---|---|
| No bank or brokerage linking | ✓ | ✕ | ✕ |
| Complete monthly budget | ✓ | ✕ | ✓ |
| Savings goal allocation | ✓ | ✕ | ✕ |
| Retirement spending projections | ✓ | ✕ | ✕ |
| What-if scenario modeling | ✓ | ✕ | ✕ |
| Zero fiduciary risk | ✓ | ✕ | ✓ |
| Full plan in ~30 minutes | ✓ | ✕ | ✕ |
Employees dealing with money stress spend work hours worrying about it. PwC's 2024 Financial Wellness Survey found that financially stressed employees spend an average of 3+ hours per week distracted at work. That adds up.
Potential productivity impact
Hours lost per week across your team
180
Based on ~3 hrs/week per stressed employee
Estimated annual productivity cost
$114,000
At ~$21/hr average labor cost
Even if only a fraction of that lost time is recoverable, the cost of doing nothing is measurable. Waterfall Planning gives employees a clear, private way to get their finances organized -- so they can focus on work instead of worrying about money.
For context: what employers typically spend on benefits
Average employer cost per employee, per month
Health insurance
401(k) match
Dental and vision
Waterfall Planning
A financial wellness benefit that helps employees actually understand and use these benefits typically costs a small fraction of what you already spend.
Source: PwC Employee Financial Wellness Survey, 2024
Productivity estimates are directional, not guaranteed. Actual impact depends on your workforce.
No commitment required to get a quote.
Or reach us at [email protected] or (904) 654-3336
No. Waterfall Planning is an educational tool. It does not recommend investments, manage assets, or give personalized advice. Users make their own decisions. There is no fiduciary liability for the sponsoring organization.
No. Users manually enter only the numbers they choose to share. No bank, brokerage, or 401(k) credentials are ever requested.
No. Admins manage licenses and invites. They cannot view any financial data entered by individual users. Budgets, goals, and projections are private.
Admin setup takes about 10 minutes. Each employee builds their full plan in roughly 30 minutes. No IT integration, no SSO, no data migration.
Pricing is per-employee with volume discounts that decrease as your team grows. No platform fees, no setup costs. Request a quote for your exact cost.
Yes. Request a quote and we will set up a demo walkthrough so you can see exactly how the tool works. No commitment required.
