Personal finance runs on a monthly rhythm — every month closes in surplus or deficit. Nothing in your benefits package operates at that cadence.
Monthcloser does a monthly plan-do-check-act cycle run on verified financial vitals — because without verified truth, a financial wellness program is just advice on top of guesses.
WHY THIS MATTERS TO YOU
Financial stress doesn't stay home. It follows people into the office — missed deadlines, distracted meetings, decisions made at half capacity. Nobody underperforms because they didn't want to succeed. They underperform because nobody was guiding the money that was supposed to make succeeding possible.
Missed work, reduced focus, and health costs that compound the longer the underlying stress goes unaddressed.
Employees leave problems they don't believe their employer is helping them solve — a retention risk hiding inside every unaddressed financial stressor.
Without guidance, potential pay never becomes retained pay — the raise you already gave them quietly drifts away unspent and unsaved.
THE GUIDE, AS A TOTAL-REWARDS CONCEPT
Monthcloser is the guide that protects and amplifies your total compensation and benefits — not a line item employees skim past, but the thing that makes every other benefit actually work as intended. Guided pay is retained pay.
HOW SPONSORSHIP WORKS
The employee owns their Monthcloser Number, independent of you, before, during, and after their time at your company.
Independent of any employer. They receive a permanent Monthcloser Number — theirs alone.
The same way they'd give you an SSS or Pag-IBIG number for enrollment.
Through a simple console. You can request sponsorship or cancel it — nothing more.
The employee accepts or declines. Nothing happens to their account without their say.
Not a trial period with a deadline. Each employee's seat is billed only once they've had their own first successful close — and renews on that same seat's own anniversary each year after, never a blanket company-wide charge for people who never got value from it.
YOUR ROLLOUT, YOUR PACE
No minimum — a pilot of 10 or 20 is a common starting point, though even one is enough to begin. Whether this becomes a benefit for everyone or something you extend selectively is entirely your call.
Commit a lump sum once. It draws down automatically as each employee has their own successful close, until it's spent — a clean, fully-utilized budget line, not a recurring invoice finance has to keep approving.
Prefer to be billed as employees come due, on a regular cadence, instead of pre-funding? That works too. We design the mechanism around what's actually convenient for your team, not the other way around.
FOR ONBOARDING OR A ONE-TIME EVENT
A live, guided session that walks up to 50 employees through their very first verified close in one sitting — the fastest way to turn a benefit announcement into real, felt momentum. ₱50,000/session, sold separately from your subscription, any time you need it.
QUARTERLY REPORTS FOR MANAGEMENT
Every quarter, your HR and leadership team receives a report built entirely from verified data — never self-reported, never a survey. It's the difference between telling your board "We ran a wellness program" and showing them exactly what changed, in numbers you can stand behind.
Quarterly Financial Health Report
Q3 2026 · Illustrative sample · 847 sponsored employees, 3 departments
Active close rate
87%
↑ 5 pts
Avg savings rate
11.4%
↑ 3.1 pts
Avg health score
64
↑ 7 pts
Closing in surplus
71%
↑ 9 pts
Debt service is where this cohort is under the most pressure.
Average debt service sits at 28% of net income — the vital holding scores down across the group. Savings and budget discipline are both improving quarter on quarter, which suggests the behaviour is moving even where the balance has not caught up yet.
Cohort aggregates only. No individual employee's figures, score, or documents are ever visible to the employer — at any cohort size.
Right now, benefits budget gets allocated on instinct and vendor pitches. If this cohort's real problem is debt service, a retirement match is the wrong spend this year — and until now there was no way to know that.
Monthcloser sits upstream of every other financial benefit rather than competing with them. It does not ask you to cancel anything. It tells you where the money should go.
Every other financial benefit asks you to take its value on faith. This one hands you the evidence, every quarter, in a form you can take to the board.
A home finally bought. A family that stopped arguing about money. A child's education back within reach. None of it happens because of a bonus or a plaque on a shelf. It happens because someone finally handed an employee the mirror — and they built the rest, one month at a time.
There is no other gift like this. Give it to your organization.
A short conversation is enough to see whether this fits your organization. We will walk you through the program, the reporting, and what it would look like for your team.
Financial Clarity. Sound Decisions. A Better Life.