How it works

From zero to financial clarity
in under 10 minutes.

FinancialCheq is designed to be deployed instantly — by employers with no technical knowledge and completed by employees in a single sitting.

Step 01 — Employer setup

Live in 5 minutes, no IT required.

Sign up as an employer, enter your company details, and we generate a unique, secure signup link. Share it with your team by email, Slack, or your HR portal. That's it.

No software to install, no integrations to configure
Unique company invite link keeps data organized
Add unlimited employees at any time
Acme Corp — Dashboard Live
47
Invited
31
Enrolled
66%
Rate
Enrollment31 / 47
Reports complete28 / 31
Step 02 — Employee intake

A guided 7-step financial picture.

Employees complete a thoughtfully designed intake form covering their full financial picture. Optionally, they can upload a recent pay stub and prior year tax return for the most accurate and clear outlook. The form is designed to be completed in a single 10-minute sitting.

Income, pay frequency, and filing status
Savings accounts, retirement contributions, and employer match
Debt profile, monthly expenses, and financial goals
Optional: upload prior year tax return and recent pay stub for the highest accuracy
Step 3 of 7 — Retirement accounts
Your retirement savings
401(k) balance   $24,500
Monthly contribution   $450
Employer match %   4%
Roth IRA   $8,200
Step 03 — Report generation

A personalized report, generated instantly.

A detailed, personalized financial wellness report is generated from each employee's complete financial picture. No waiting. No manual review. The report is ready in seconds.

Financial health score out of 100 with plain-English explanation
9-step prioritized action plan based on their real numbers
Per-paycheck W-4 withholding targets using 2026 tax brackets
Retirement outlook and career-specific guidance
74
/100
On track — building momentum
3 clear next steps identified
✓
1-month emergency fund
2
Capture full 401(k) match
3
Maximize HSA
4
Pay off high-interest debt
Step 04 — Employer visibility

You see engagement. Never employee data.

Employers get a clean dashboard showing enrollment rates, participation, and engagement — but never individual financial data. Privacy is not a feature. It's the foundation.

Enrollment count and participation rate
Reports completed vs. pending
Zero access to individual financial data — by design

Privacy guarantee

Employee data is end-to-end encrypted and never shared with the employer.

Individual financial reports belong to the employee. Employers can only see aggregate enrollment statistics — never names, numbers, or personal details.

Questions

How does this work in practice?

How long does employee setup take?
Most employees complete the intake form in 8–12 minutes. The form is designed to be completed in one sitting, with clear explanations for every question. Their report is ready immediately after submission.
Does the employee need an account or password?
No account or password is required in demo mode. Employees access the intake form via a unique company link. In the full version, optional accounts allow employees to return and view their report history.
What if an employee doesn't know all their financial details?
Every question is optional beyond the basics. The more information provided, the more accurate the report — but employees can skip anything they're unsure about. We never block the report for incomplete data.
Can employees retake the assessment?
Yes. Employees can update their information and generate a fresh report at any time — for example, after a raise, a major purchase, or a change in family situation.

Ready to get started?

Set up a pilot for your company in 5 minutes — no contract, no commitment.

Take my assessment Request a demo