Features

Everything inside
a FinancialCheq report.

Each report is generated fresh for every employee — personalized to their income, accounts, family situation, career, and goals.

Feature 01

Financial health score

A single score out of 100 — calculated from the employee's complete financial picture — gives an instant read on where they stand. It's a starting point for a conversation, not a judgment.

Scored across 6 dimensions: emergency savings, debt, retirement, tax efficiency, protection, and goal progress
Plain-English explanation of what's driving the score up or down
Score updates every time the employee refreshes their information
74
/100

On track — building momentum

Strong foundation, 3 areas to improve

Emergency savings90%
Retirement68%
Tax efficiency55%
Debt management82%
Feature 02

9-step personalized action plan

Based on a proven financial planning framework, each employee gets a prioritized roadmap — showing exactly where they stand and precisely what to do next, in order.

Steps ordered by proven financial priority — not one-size-fits-all advice
Each step includes a specific, actionable recommendation
Tracks progress as employees update their information over time
Covers emergency funds, employer match, HSA, debt, and retirement contributions
✓
1-month emergency fund
Complete — $3,200 saved
2
Capture employer match
Contribute 4% to get full match
3
Maximize HSA
$4,300 remaining for 2026
4
High-interest debt payoff
$2,100 credit card balance
5
3-6 month emergency fund
Target: $14,400
Feature 03

W-4 & tax withholding guidance

One of the most common — and costly — employee financial mistakes is incorrect W-4 withholding. FinancialCheq calculates exactly how much each employee should have withheld per paycheck, using 2026 federal and state brackets.

Uses 2026 IRS federal tax brackets and state income tax rates
Dual-income household warnings for married couples who may be under-withholding
Estimated refund or amount owed at year-end
State-specific 529 deduction notes where applicable

Your withholding guidance

Filing statusMarried filing jointly
Gross income (combined)$142,000
Estimated tax owed$22,840
Current withholding/yr$18,200
Recommended/paycheck$1,040
Estimated balance due–$4,640
Feature 04

Retirement outlook

A realistic, personalized retirement projection based on each employee's age, current savings, contribution rates, expected returns, and stated retirement goals — including pension benefits for those who have them.

Projected retirement balance at target retirement age
On-track indicator vs. desired retirement income
Pension-aware: accounts for defined benefit plans (TRS, IMRF, etc.)
Contribution gap analysis — how much more per month would be needed

Retirement projection

Projected at age 65 $1.24M
35
40
45
50
55
65

Goal: $80k/yr income  •  72% funded

Feature 05

Career-specific insights

Financial guidance for a teacher looks very different from guidance for a software engineer. FinancialCheq detects occupation and employer type to deliver advice that actually applies.

Teachers: TRS pension tier analysis, 403(b) and 457(b) guidance, sick day value
Government employees: 457(b) early withdrawal advantage, pension vesting status
Healthcare workers: high-deductible plan + HSA optimization strategies
Private sector: ESPP guidance, stock vesting, and 401(k) mega backdoor Roth

Teacher — TRS Tier 2

Your pension vests at year 10. You have 3 years remaining. Prioritize 403(b) contributions in the interim.

Government Employee

Your 457(b) allows penalty-free withdrawals upon separation — a key advantage over 401(k) for early retirement planning.

Healthcare Worker

Your HDHP qualifies for HSA contributions. The $4,300 family limit is effectively triple tax-advantaged savings.

Feature 06

100% private — by design.

Privacy isn't a checkbox — it's an architectural decision we made from day one. Employee financial data belongs to the employee. Period.

Employers see enrollment counts, never individual data
Reports are never stored longer than the employee's session in demo mode
No financial data is ever sold, shared, or used for advertising
Employees can request deletion of their data at any time

Your data, your report.

FinancialCheq is a tool for employees, deployed by employers. The employer is the buyer. The employee is the beneficiary.

See it in action.

Request a demo and we'll walk you through a complete report for your company size and industry.

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