Our work has enabled over 2.5 million people to save nearly $9 billion on a path to greater financial security and wealth.
On our way to enabling 10 million families to building $15 billion in wealth
The financial challenges facing people living on low and moderate incomes are systemic—and so are the solutions. Commonwealth’s work is measured by what changes in people’s financial lives. For more than 25 years, we have partnered with employers, financial institutions, fintechs, and policymakers to design, test, and scale solutions that reduce financial volatility, increase savings, and broaden access to wealth-building tools for people living on low and moderate incomes.
No single number tells the whole story. Real change happens when better savings tools, investing pathways, and emerging technologies work together to reshape the systems that shape people’s financial lives. The results below reflect collective progress across financial security through work, access to wealth building, AI for financial opportunity, and new pathways to financial security. Each figure represents partnerships forged, solutions tested, and households moving toward greater stability and long-term opportunity.
Lifetime Household Impact
$9 billion
Dollars saved/dollars protected
22 million
Households with emergency savings access
Five-Year Impact
Financial Ecosystem Reach*
50
Financial services companies engaged
$40T+
Combined assets represented
700M+
Combined customer relationships represented
*Based on publicly reported customer, client, investor, and account-holder figures; figures represent aggregate customer relationships and are not unique individuals.
Workforce Partnership Influence*
15
Employer partners engaged
2.5M+
Employees represented
36
Total workforce partners engaged
40M +
Workers potentially reached
*Potential reach reflects the scale of workers and workplace participants represented across our partnerships.
Research & Insights
165
Publications
22
Hosted Events
400
Downloads
Innovation Activation
90
Pilots & demonstrations launched
25
Policy/Consortium group participation
47
Active emergency savings projects
28
Emergency savings partners
Visibility & Reach
410
Earned media placements
60M
Media reach
120
Speaking engagements & panelist participation
25M
Social Reach
540k
Newsletter reach
Impact stories
Evidence in Action
On our way to enabling 10 million families to building $15 billion in wealth
Behind every data point is a partnership, a pilot, and real people building greater financial security. Explore how our collaborations with employers, financial institutions, fintechs, and policymakers are driving measurable change.
Real People
I have a lot more confidence in my financial foundation knowing that I have money elsewhere (in emergency savings).”
Autonation Employee, part of The Emergency Savings Initiative
I’ve always worked to pay bills. To me, being able to invest is some small step in not having to be afraid that I don’t have enough money to live.”
Laura, part of the The Investor Diaries
Partner impact
Partnering with Commonwealth gave us the opportunity to deeply understand how a group of new investors, first-time women investors from underrepresented communities, used the app’s features on their investing journey. Commonwealth’s experienced research team was able to conduct a comprehensive analysis of how new investors experienced the app and navigated their journeys over time. Insights into how community tools were used, and how investing behaviors correlated with learning opportunities and market volatility, will be incredibly valuable as we build new and more inclusive features in the app.”
At Truist, we help clients build financial confidence by supporting emergency savings and long-term security through our partnership with Commonwealth and BlackRock’s Emergency Savings Initiative. This partnership brings our purpose to life—helping inspire and build better lives and communities for clients, wherever they are on their financial journey.”
Yolande Matthew, Workplace Banking & Financial Empowerment Executive, Truist Bank
We set out to reach more employees and share valuable benefits that could make a profoundly positive impact for our people. This (emergency savings) program gives individuals another way to plan for some of life’s unexpected turns while giving them the confidence they need to build a bright future.”
Laura Gray, Vice President, Benefits, GXO
Partner With Us
Impact at scale requires collaboration across sectors.
Whether you are looking to strengthen employee financial security, expand equitable access to financial products, or build the evidence base for policy change, we bring research, market insight, and partnership models built for real-world impact
Our Strategic Pillars
Four areas where research, innovation, and partnership converge to drive systemic change.
Financial Security Through Work
Helping employers design and scale benefits that improve financial security and retention.
Learn More.
Access to Wealth Building
Expanding pathways for people to invest and strengthen their financial futures.
Learn More.
AI for Financial Opportunity
Ensuring AI-powered financial tools advance equity and work for the people who need them most.
Learn More.
New Pathways to Financial Security
Co-designing and testing complementary solutions with the partners who can deliver them at scale.
Learn More.