Lives are transformed little by little

We build financial resilience and generational wealth.

Through saving, coaching, and learning, working as one connected system — with the right tools and support at every step.

For the people we serve, financial resilience starts with small, meaningful steps. Just ask Christina.

"My mom got hospitalized and I used my entire savings to take care of her. So, I took out a loan to cover that. I didn't realize how high the interest rates were and got way behind. I constantly dread about debt… It's reassuring to know there are people out there who will help you." — Christina, Financial Coaching participant

[image: woman holding her daughter, smiling]

Christina's story isn't unusual.

Thirty-seven percent of Americans can't cover a $400 emergency expense without going into debt. For the families we serve, that number rises to nearly 60%. They work hard every day. What's missing isn't effort. It's the tools and support at the moments that matter most.

That's what Savings Collaborative builds: an integrated model proven across Colorado and scaling nationally through partners in higher education, housing, and public financial systems.

The Guidance Engine: smart tools that meet people at the moment of decision

Our technology coordinates the right tools and support as needs arise: a navigation layer for your financial journey. Like Waze helps drivers make better decisions without changing the road, the Guidance Engine helps people make better financial decisions without having to figure out the whole system.

[illustration: Waze-style navigation showing decision moments along a financial journey, with the Guidance Engine surfacing the right tool at each moment]

No pressure. No judgment. Just real tools for real progress.

An integrated ecosystem for financial resilience

Three capabilities, coordinated by the Guidance Engine.

Digital Savings Platform: A multilingual, mobile-first app where saving becomes a habit.

Easy to use, with automatic saving
Real-time tracking and personalized nudges
Milestone incentives that reward progress
Access to emergency loans when life gets unpredictable

Financial Coaching: Personalized guidance where knowledge turns into action.

One-on-one coaching from certified bilingual counselors
Strategies to manage debt and build credit
Goal-setting and planning for what comes next
Delivered virtually, by phone, or in person

Financial Education: Learning where concepts turn into everyday decisions.

Virtual and in-person workshops hosted with community partners
A multilingual Financial Resilience App with self-paced content
Exercises built around real financial choices
A Financial Well-Being Badge, offered through select programs

How we show up where financial decisions happen

Partnerships are one way Savings Collaborative scales its mission. They allow us to bring our model into the places where people already study, live, work, receive support, and make financial decisions — without losing the human trust at the center of the work.

1.Direct service, extended through trusted programs.

We serve people directly, and we also bring coaching, savings tools, education, and emergency support into programs people already trust.

2.Regional coalitions that expand access.

Local governments, foundations, and community institutions build durable buy-in around financial resilience, with Savings Collaborative contributing the model, coaching, and relationships.

3.Specialist networks around each client's journey.

When someone needs housing, legal, tax, debt, or other support beyond our core model, we coordinate with trusted specialists while staying present in the client's financial journey.

4.Institutional integrations that scale financial resilience.

Universities, housing systems, public agencies, and other large institutions can build our tools, coaching, and learning experiences into the way they already serve their people.

Across every model, the goal is the same: help people move from one-time support to durable financial resilience and generational wealth.

See how this looks in practice. Explore our partnerships →

Real-life results

Our impact is real and measurable

$7MCollectively saved by our clients

$300KEmergency microloans (near-zero default rate)

$600KTotal consumer debt reduced

4,000+Individuals supported

+34 ptsAverage credit score increase among clients working on credit goals

90%+of savers who reach $400 continue to save $2,500 or more

Be part of the change

Everyone has a role to play in building financial resilience.

Partners

We embed our coaching, tools, and learning experience into the programs and institutions you already run.

Partner with us →

Donors

Your support builds the model that makes resilience possible. Every contribution strengthens the coaching, tools, and technology that give families what they need to grow savings, reduce debt, and build generational wealth.

Donate

Clients

Take control of your financial future. Start saving, connect with a coach, and access tools designed to help you build financial stability.

Get Started