The Product
Ballad Tree brings together budgeting, goal planning, and debt management tools — all in one calm, unified software experience.
Get StartedCore Features
Automated, system-triggered notifications keep employees informed — goal milestones, scheduled reminders, and account updates, sent as account activity happens.
A clear, calm view of net worth, spending, savings progress, and financial goals. Employees see exactly where they stand and how they're progressing — without feeling overwhelmed.
Employees set their own goals for emergency funds, debt payoff, home buying, and more. Ballad Tree tracks progress automatically as account activity updates.
Automatic categorization of spending with clear trends and patterns. Employees see where their money goes in one organized dashboard.
Visualize all debt in one place — student loans, credit cards, auto loans. Track payoff progress toward the strategy each employee chooses.
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