https://tiaa.new-media-release.com/mit-agelab/

https://www.federalreserve.gov/publications/2017-economic-well-being-of-us-households-in-2016-education-debt-loans.htm

https://www.cnbc.com/2023/04/11/58percent-of-americans-are-living-paycheck-to-paycheck-cnbc-survey-reveals.html#:~:text=Between%20higher%20costs%20and%20a%20possible%20recession%20on%20the%20horizon,conducted%20in%20partnership%20with%20Momentive

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Candidly helps users select and enroll in the optimal repayment plan, saving those who qualify an average of $358 per month. Based on users who received plan assessments for income-driven repayment programs between Jan 2020 and April 2022.

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Between July 2019 through May 2022, users sent an average of $45 in extra payments to their loans through gamified repayment and auto-payment tools. Calculation assumes these contributions are made on a loan with a balance of $34,000 and 6% interest rate over a 17-year term, consecutively. These loan averages are provided by educationdata.org as of July 2021. Educationdata.org compiles data from a number of sources including the Department of Education, National Student Loan Data System and Measure One.

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Based on user surveys conducted before and after a session with a Candidly coach.

AI-native, human-centered financial experiences.

We enable organizations to deliver scalable, AI-native solutions that meet end users where they work, bank, and access financial services.

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Trusted by hundreds of leading employers, financial institutions, and recordkeepers

Solutions that span the full financial lifecycle

Candidly serves employers and enterprise partners — including financial institutions, the retirement industry, and technology providers — with personalized, AI-native financial solutions that deepen engagement and transform end-user outcomes.

For enterprise partners

Agentic Enterprise System

AI-native financial guidance across the full lifecycle — built for enterprises, deployed in your experience, and configured to your brand. Learn more

Workplace benefits

Benefits-Aware Financial Guidance

Personalized financial guidance — across decisions employees face at every lifestage — delivered by AI that understands your benefits. Learn more

Workplace benefits

Candidly Core

Actionable, AI-native guidance and tools that help employees tackle student debt repayment and college planning — all driven by our Conversational AI Tool. Learn more

Note: Videos on this page are illustrative examples of user experiences Candidly solutions are designed to power. Actual functionality and appearance may vary depending on configuration.

Financial guidance that meets your users where they’re at

From benefits guidance and student debt to retirement and day-to-day budgeting, the AI capabilities that power our benefits-aware financial guidance solution and Agentic Enterprise System cover every stage of an end user’s financial life. Each one delivers guidance on the accounts and benefits already available to them, grounded in real, dynamic data — and organizations can mix and match to build the experience that’s right for their employees, customers, or members.

Understand benefits

Benefits intelligence

Navigate education costs

Student debt

College planning

Manage daily finances

Budgeting

Account guidance

Debt management

Build for the future

Retirement planning

Employer equity plans

Invest America accounts

What can you achieve when AI meets impact?

Deliver impactful guidance

Our AI doesn’t just hand people information — it turns it into guidance they can act on. That means accounting for incomplete information, competing priorities, and the fact that every choice changes the math on the next one.

Drive engagement and conversion

Our solutions are optimized for actionability, so end users get quality guidance and know exactly where to take the next steps — whether that’s in the Candidly platform, in your benefits ecosystem, or in your product lineup.

Prioritize innovation and experience

We build with the needs of the enterprise and HR teams in mind — which means you can deliver best-in-class, AI-native financial experiences that launch quickly and run without constant oversight.

AI you can put in front of your people

Employees are already asking general-purpose AI about their money. We built our solutions so they don’t have to settle for answers that aren’t grounded in their actual finances — or protected the way their data should be.

Responsible safeguards

Guidance stays within defined boundaries and is designed to trace back to auditable sources.

Verifiable by design

Critical calculations take into consideration your program or plan design, and run on deterministic logic — not probabilistic generation.

Bank-grade security

Data is protected to standards the largest financial institutions have already cleared: SOC 2 Type I & II compliant, NIST 800-53 Rev. 5 aligned, and deployable on-prem.

See what Candidly can do for your organization

Scale personalized financial guidance to every end user

Deploy white-labeled AI-native guidance that keeps users engaged and converting on your platform, from first question to completed action.

Agentic Enteprise System

Build a financially healthier workforce

Meet employees at every lifestage with AI-native financial guidance across retirement, debt, everyday budgeting and more — all informed by your benefits ecosystem.

Benefits-Aware Financial Guidance

Address employees’ front-line concerns

Help tackle student debt and college costs with a focused benefit built for one of the most common financial concerns among today’s workforce, plus optional sponsored offerings designed to multiply impact.

Candidly Core