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