The Product
Ballad Tree brings together budgeting, goal planning, debt management, investing guidance, and AI-powered advice — all in one calm, unified experience.
Get StartedCore Features
Employees can ask Ballad AI anything — how to pay off debt faster, whether they can afford a home, how to build an emergency fund. They get personalized, actionable answers based on their actual financial situation.
A clear, calm view of net worth, spending, savings progress, and financial goals. Employees see exactly where they stand and what to do next — without feeling overwhelmed.
Set goals for emergency funds, debt payoff, home buying, retirement, and more. Ballad Tree builds a personalized plan and tracks progress automatically — adjusting as life changes.
Automatic categorization of spending with clear trends and patterns. Employees understand where their money goes and get AI-powered suggestions for where to optimize.
Visualize all debt in one place — student loans, credit cards, auto loans. Get AI-generated payoff strategies (avalanche, snowball, or hybrid) tailored to each employee's situation.
Help employees understand their 401k, IRA, and investment options. Ballad AI explains complex concepts in plain language and helps employees make confident decisions.
Privacy First
Ballad Tree is built with privacy at its core. Employees control exactly what they connect and share. Their individual financial data is never visible to their employer.
Bank-level encryption
All financial data is encrypted in transit and at rest.
Employee-controlled access
Employees connect accounts themselves and can disconnect anytime.
Employer sees only aggregates
Companies see program engagement metrics — never individual data.
No data selling
We never sell or share employee financial data with third parties.
Your Financial Data
You control what you share
Conceptual — employees control their own permissions