Fluency

Employee Tools

Real tools employees actually use

Practical, immediately applicable tools. No account required.

Planning

Budget Planner

A comprehensive budgeting tool that helps employees understand their full financial picture. Track income, expenses, and savings goals — and see exactly where adjustments could make the biggest difference.

  • ✓Categorized income and expenses
  • ✓Real-time budget summary
  • ✓Savings goal tracking
  • ✓Fully customizable categories
  • ✓Print-ready budget report
Open Budget Planner
Retirement

Retirement Income Calculator

A multi-scenario retirement planning tool that shows employees whether they're on track — and what specific actions could improve their outlook.

  • ✓Retirement savings projections
  • ✓Social Security income modeling
  • ✓Inflation-adjusted scenarios
  • ✓Couple and staggered retirement planning
  • ✓Visual income breakdown charts
Open Retirement Income Calculator

Want these tools for your entire workforce?

Fluency makes these tools — and a full financial wellness program — available to every employee at your company.

Book a Demo