Find money you're leaving on the table.
Marmot checks your employer benefits and shows you the real dollar value you may be missing — 401(k) match, HSA, ESPP, and more.
Find my money
Three simple steps.
Six places money hides.
401(k) match
Free money if you're under-contributing.
HSA seed
Employer money you may not be claiming.
ESPP discount
Stock discounts left on the table.
Idle cash
Cash earning 0% that could be working.
Expiring stipends
Benefits that reset every year, unused.
Tax savings
HSA and RSU gaps worth a look.
This is what you keep.
Budgeting
Your spending, categorized automatically.
Net worth
Track progress and model big decisions.
AI chat
Ask questions about your own money.
Built to find money.
Common questions
What does Marmot do?+−
It checks your employer benefits and payroll, then shows you the real dollar value you're not claiming — computed from your own data, not an average.
Do I have to link my bank account?+−
No — you can upload documents and enter income manually instead. Linking just gets you the fullest picture.
Is this investment advice?+−
No. Marmot never recommends securities or a buy/hold/sell decision, in the app or in AI chat — just facts about your own benefits.
What if I don't have many findings?+−
We'll tell you honestly. It's still worth ten minutes, and the app stays useful for budgeting and net worth afterward.
What happens after the audit?+−
Findings become an action list you can check off. The app sticks around for budgeting, net worth, and AI chat.
Is my data private?+−
Yes. Nothing is sold, no ads. See the Security page for exactly how documents and connections are handled.