Money you're already owed.
Your 401(k) match, your HSA seed, your ESPP discount, that stipend that resets every January — nobody has ever handed you the full list of what your employer offers, quantified, for your specific plan. Marmot reads your benefits documents and your paystub and tells you, in a real dollar figure, exactly what you're not claiming.
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Marmot is a personal finance app that audits your employer benefits — 401(k) match, HSA seed, ESPP, idle cash, expiring stipends — and shows you a real, computed dollar figure for what you're not claiming. Then it stays as your budgeting, net-worth, and AI chat app.
Completeness is the whole point.
No single finding justifies opening a finance app. The sweep does — the full list of what your specific plan offers, checked against what you're actually doing, all in one pass.
Unclaimed 401(k) match
The most common form of free money in personal finance. If your contribution rate sits below what triggers the full match, we compute exactly what's forfeited.
Employer HSA seed
Plenty of plans deposit money into your HSA regardless of your own contribution. If you're not enrolled — or under-contributing — it shows up here.
ESPP non-participation
Employee stock purchase plans often sell shares at a discount, sometimes off a lookback price. Sitting out is money left unclaimed.
Idle cash
Checking or savings sitting well above what you need, earning close to nothing. We flag the yield you're missing — we don't tell you where to put it.
Expiring stipends
Learning & development, wellness, and home-office budgets that reset every year whether you use them or not.
HSA contribution gap & RSU withholding
Tax savings available if you contribute more yourself, and a heads-up if RSU withholding is set below what you'll actually owe — shown separately, never folded into the headline.
Ten minutes to a real number.
Connect and upload
Link checking, savings, and your 401(k) — or skip and add manually. Upload your benefits guide, your 401(k) plan document, and a paystub if you have them. Each document is optional; the audit degrades gracefully and tells you what's missing.
Confirm what we read
Every extracted fact gets a plain-language check before it touches any calculation: "We read your match as 50% up to 6% of salary — correct?" Identifying details are redacted before anything leaves for processing, and source documents are deleted once you confirm.
See what you're leaving on the table
A ranked list, each finding with a dollar figure, an effort tag, and step-by-step instructions to claim it. Mark it done and watch the captured total climb.
The same engine behind every finding runs your net worth, too.
The audit isn't a one-off script — it's built on a real, projectable financial engine: accounts, growth, contributions, taxes. Every finding gets a two-branch fork (do it / don't) built on this same core, and it's also what runs your ongoing net-worth view and scenario comparisons. Tweak an assumption and it re-projects instantly. This is the proof, not the pitch — poke at it.
Accounts · tap to edit
Edit a balance, change a growth rate, drag a lever — this curve is computed by the very same projection core the dashboard runs, and the whole horizon shifts as you go.
- Investments$2.08M
- Retirement$495k
- Real estate$1.02M
- Mortgage$0
Drag to reallocate. Nothing here is budgeting — it's deciding where each dollar of surplus goes to work.
Both computed live by the same projection core the app runs. Figures are illustrative — your real numbers use your own income, accounts, and rates. Projections are always labeled with their assumed rate and applied only to money that actually enters an investment account — never the headline finding total.
The audit gets you in. This is what you keep.
We won't pretend the audit regenerates every month — mostly it doesn't. What keeps you here is the ongoing surface: budgeting, net worth, decision help, and a chat that actually knows your numbers.
Budgeting, actually used weekly
Your connected transactions, categorized. The audit is a sweep you might run once or twice a year — this is the reason to open the app in between.
Net worth and scenario comparisons
The retained decision-tree engine: model a fork you're weighing — take the job or don't, move or stay — on the same core that computed your findings.
AI chat, read-only, over your own data
"What did I spend on restaurants last month?" "Why is my net worth down?" Every answer traces to a real record or a computed finding — never an estimate, never a securities recommendation.
Built to find money. Not just track it.
Common questions
What does Marmot do?+−
Marmot connects to your accounts and reads your benefits documents and paystub, then tells you exactly which employer benefits you're not claiming — unclaimed 401(k) match, an unused HSA seed, an ESPP discount you're skipping, idle cash earning nothing — with a real dollar figure computed from your own data, not an average.
Is the number real, or a generic estimate?+−
Real. Every figure is computed from your own plan documents and your own payroll data. Marmot never shows you a population average dressed up as personal. If a document is missing, you get a range and a prompt to add it — never a guess presented as fact.
What counts toward the headline total?+−
Only money that's actually forfeited (like an unclaimed match) or yield you're missing out on (like idle cash at 0%). Tax savings that require you to contribute your own money, and warnings that avoid a future surprise, are shown separately — they're valuable, but they're not the same as money left on the table, so we don't blend them into one number.
Do I have to link my bank account?+−
Connecting accounts gets you the fullest picture — it's how we check idle cash and pull payroll data automatically. You can also upload documents and enter income manually instead. Either way, nothing is shared or sold, and documents are deleted once the facts inside them are confirmed.
What happens to the documents I upload?+−
Identifying details are redacted before anything leaves for processing, everything is encrypted at rest, and the source document itself is deleted once you've confirmed the facts we pulled from it. We publish the full retention policy in the app.
How is this different from Empower or Rocket Money?+−
Empower tracks your net worth and sells advisory services. Rocket Money finds subscriptions to cancel. Neither reads your benefits guide, your plan document, or your paystub to tell you what your specific employer is offering that you're not using. That's the audit only Marmot does — everything else is table stakes we also include.
Is this investment advice?+−
No. Marmot never recommends securities, allocations, or a buy/hold/sell decision — in the app or in AI chat. It quantifies facts about your own benefits and accounts and shows you how to claim what's yours. For decisions with real tax or legal weight, talk to a professional.
What if I don't have many findings?+−
Some plans are genuinely lean, and we'll tell you that honestly rather than padding the number. Even a small audit is worth ten minutes, and the app is still useful afterward for budgeting, net worth, and tracking the ongoing stuff — expiring stipends, open enrollment, idle cash — that the audit alone won't catch.
What happens after the audit?+−
The findings become an action list — what to do, how to do it, and a way to mark it done. The app sticks around as your budgeting view, your net-worth and scenario projections, and a read-only AI chat over your own data. The audit is mostly a one-time sweep; the ongoing app is what you keep using.
Is my data private?+−
Yes. No data is sold, no ads. Documents are redacted before extraction and deleted once confirmed. You can see exactly what's connected and disconnect at any time.