1. Connect and upload
Link checking, savings, and your 401(k) or brokerage — or skip linking and add balances manually. Then upload what you have: your benefits guide or open-enrollment PDF, your 401(k) plan document (the SPD), a recent paystub. Every document is optional. If you can't find your SPD — most people can't — the audit still runs off payroll and your benefits guide alone, with an honest note about what a missing document would unlock.
2. Confirm what we read
Documents get read by an extraction pipeline, but nothing from that pipeline reaches a calculation unconfirmed. Every fact shows up as a plain-language card: "We read your match as 50% up to 6% of salary — correct?" You say yes or fix it. 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 inside it.
3. See what you're leaving on the table
A counter ticks up to your total while findings drop in, ranked by value. The free tier shows the count and the total plus one example finding as proof of work; the rest unlock with a subscription. Each finding carries a dollar figure, an effort tag, and step-by-step instructions — mark it done and the captured tally climbs.
The principle underneath
Every dollar figure is computed from your real data — never an average. If a document is missing, you get a range and a prompt to add it, never a guess presented as fact. Only money that's genuinely forfeited or yield you're missing rolls into the headline total; anything that requires your own cash or is a warning rather than found money is shown separately, clearly labeled.
After the audit
The sweep is mostly a one-time thing — we won't pretend it regenerates every month. What sticks around is the app: budgeting over your connected accounts, net-worth and scenario projections on the same engine that ran your findings, and a read-only AI chat over your own data. Marmot re-checks the things that genuinely do change — idle cash building up, a stipend about to expire, open enrollment opening — without pretending the whole audit is a subscription engine.