How It Works

A calmer paycheck, powered by your own earnings.

Stabilize doesn't lend money and doesn't change how employers run payroll. It simply routes your own earnings so every paycheck lands on target.

Employees securely connect their payroll information in minutes. No changes required from the employer's payroll system.

Stabilize analyzes historical earnings to calculate a sustainable target paycheck — an amount that can be paid consistently over time.

When paychecks are higher than the target, the extra automatically moves into an FDIC-insured Stability Reserve earning 1.5% APY.

When paychecks are lower, the reserve fills the gap. Workers keep ownership of every dollar — Stabilize simply manages when it's used.

See it live.

Experience every screen an employee sees inside the Stabilize app.