Most money apps answer "where did my money go last month?" Marmot answers a different question first: "what is my employer already offering that I'm not taking?" A 401(k) match you're under-contributing to. An HSA seed sitting unclaimed. An ESPP discount you're skipping. A stipend that resets every January whether you use it or not. Nobody has ever handed you the full list, quantified, for your specific plan — Marmot reads your documents and does exactly that.
How it works, in one breath
You connect accounts (or skip and add manually) and upload what you have — a benefits guide, a 401(k) plan document, a paystub. Each document is optional; the audit degrades gracefully and tells you what's missing rather than guessing. Every fact we extract gets a plain-language confirmation before it touches any calculation. Then the findings become a ranked list: what you're leaving on the table, and exactly how to claim it.
Real numbers, not averages
Every dollar figure is computed from your accounts and your documents — never a population average dressed up as personal. Only money that's actually forfeited (like an unclaimed match) or yield you're missing (like idle cash) rolls into the headline total. Tax savings that require your own contribution, and warnings that avoid a future surprise, are real and useful — they're just shown separately, never blended into one number.
What Marmot is not
Marmot doesn't give investment advice — no securities, no allocations, no buy/hold/sell recommendations, anywhere, including in AI chat. It quantifies facts about your own benefits and accounts and shows you how to claim what's yours. Documents you upload are redacted before they leave for processing and deleted once the facts inside them are confirmed.
Who it's for
Anyone with an employer plan — which is most working people. The biggest match gaps skew toward lower earners, not the tech-worker stereotype of "already optimizing everything." If you've never actually read your Summary Plan Description cover to cover (nobody has), there's almost certainly something in there worth ten minutes of your time.