Strengthen financial stability with Goal-Based Saving
Build emergency readiness
Customized saving goals for emergencies and financial resilience
Automate overtime saving
Allocate overtime earnings with optional employer sponsorship
Build financial momentum
Empower employees to move beyond short-term needs
*Conservative estimate based on user data
Why it matters
Stability starts with control
Incentivize shift coverage by linking overtime to saving goals and reducing last-minute disruptions.
Reduce payroll-day stress with saving for essentials that support steadier attendance and focus.
Strengthen retention with saving goals that build loyalty and long-term workforce stability.
"It has positively affected our employees' morale while also serving as a tool for retention."
– Kim Ruckman, Corporate Executive of Compensation, Benefits & Payroll, Ohio Living
“This is one of the best things you can provide for your employees.”
– Lauren Mehta, Payroll and Benefits Supervisor, Revolve
"It was such an easy lift for our team to get up and running."
– Melanie Ryan, Payroll Manager, Urban Outfitters
Frequently asked questions
What is Payactiv’s goal-based savings feature?
SmartSave is Payactiv’s automated goal-based savings tool for employees. It calculates a safe amount each worker can set aside based on their income and expenses, then automates transfers from pay — giving employers a savings benefit that builds financial resilience without added payroll work.
How does goal-based savings support retention and financial wellness?
Goal-based savings helps employers strengthen financial wellness and retention by making it easy for employees to build emergency and goal-based funds automatically from each paycheck. Saving happens in the background, paycheck after paycheck, and can be reinforced through optional employer sponsorship.
Do employees need to use Earned Wage Access to use SmartSave?
No. SmartSave works independently of Earned Wage Access. Employees can save from their paychecks or Payactiv Card balance whether or not they use EWA, so the savings benefit stands on its own.
Does a Payactiv savings plan earn interest?
Payactiv Goal-Based Saving plans are not interest-paying accounts. Saving plans are designed to help you save for specific goals over time. Funds held on a Payactiv Visa® Card account do not earn interest.
Empower your workforce to turn earnings into goals
Discover how Payactiv custom saving goals help employees gain control and stability that adds value to your benefits without extra lift.