We empower employees with financial freedom.financial freedom.
Schedule a demoHow it works
Trusted by Australia’s most forward thinking companies
Why Earnd exists
In Australia, financial stress has a serious impact on both employees’ minds and businesses’ bottom lines. For employers, it’s clear there’s an opportunity to do more and support your people. At Earnd, we’ve created tools to support your people in managing unexpected expenses, proactively saving and learning crucial money skills.

A simple set of must-have money tools that allow your team to thrive and your organisation to be its best.
When you look at the data, it's clear we need to do more
#1
Employee concern is financial stress
Borderline deficient
is what the IQ of an average individual falls to when financially stressed
1 in 2
Australians live paycheck to paycheck
1 in 3
Australians can’t access $500 in an emergency
5.6
days spent yearly on sick leave and sorting finances at work for a financially stressed employee
Earnd is built for everyone
Your team can benefit, no matter their goals. Save. Access. Learn.
Access. Save. Learn.
employees can
Access their pay as they earn it and when they need it.
Help your team avoid nasty alternatives like predatory credit, late fees and payday loans.
Save with no friction
by automatically sending a portion of their paycheck to a savings account. A simple, sustainable way to proactively save.
Learn crucial money skills
with bite-sized, timely and actionable tips from ASIC’s MoneySmart, delivered by Earnd. The right knowledge at the right time.
employees can
Access their pay as they earn it and when they need it.
Help your team avoid nasty alternatives like predatory credit, late fees and payday loans.
employees can
Save with no friction
by automatically sending a portion of their paycheck to a specified account. A simple, sustainable way to proactively save.
employees can
Learn crucial money skills
with bite-sized, timely and actionable tips from ASIC’s MoneySmart, delivered by Earnd. The right knowledge at the right time.
Designed with the facts in mind
Our platform is designed according to unbiased and independent research into financial wellbeing.
The 3 pillars of financial wellbeing
Source: Centre for Social Impact
01Being in control
With Earnd, your team benefits from the flexibility of on-demand wages and the ease of auto-savings to stay on track.
02Meeting expenses
With Earnd, your team has the ability to cover unexpected expenses with their own earned wages.
03Feeling financially secure
With Earnd, your team has the security of an employer-sponsored safety net and the know-how to plan ahead.
Loved  by thousands of employees
Awesome app!
This app has saved my life way too many times. It is such a great way to make sure you always on time with bills and if you have something unexpected come up - it takes the stress away. I honestly believe every business should use this app as a feature.
- Jake from Glue, App Store
Lifesaver
My daughter lost her textbook before her exam and I didn't have any funds in my account. Earnd early pay just allowed me to buy it for her. Honestly so thankful!!
- shanJev2
Astounded this exists
This app is an absolute godsend. I’m able to withdraw my pay early with minimal fees. Honestly suprised this exists and the lack of employers offering it.
- Benny
Great app
Marvellous app, love using it!
- benjsness
Financial freedom
No employers have before ever given the option of financial freedom to their employees, earnd allows this. The relatively small costs can be considered as cost of convenience.
- armano100
Awesome app!
This app has saved my life way too many times. It is such a great way to make sure you always on time with bills and if you have something unexpected come up - it takes the stress away. I honestly believe every business should use this app as a feature.
- Jake from Glue, App Store
Lifesaver
My daughter lost her textbook before her exam and I didn't have any funds in my account. Earnd early pay just allowed me to buy it for her. Honestly so thankful!!
- shanJev2
Astounded this exists
This app is an absolute godsend. I’m able to withdraw my pay early with minimal fees. Honestly suprised this exists and the lack of employers offering it.
- Benny
Great app
Marvellous app, love using it!
- benjsness
Financial freedom
No employers have before ever given the option of financial freedom to their employees, earnd allows this. The relatively small costs can be considered as cost of convenience.
- armano100
The benefit that pays
Financial inclusion brings tangible increases to your engagement, hiring and bottom line.
Employees would benefit from lower-cost, better quality financial services, implementing companies would likely become employers-of-choice and the inchoate harms caused by financial stress on employees would be reduced. In the best case, employers would reap large financial rewards from reduced turnover and other positive effects on employee morale and performance.
Kelly McFadden
General Manager of Human Resources, Ascender HCM
Say hello to the future of pay
Empower your team with practical tools to manage unexpected
expenses, proactively save, and learn personal finance skills.
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