Live for now, save for later.

Binge on Netflix & pizza while funding your future.


We invest your spare change into a peer powered portfolio

Earn a 5% fixed return… and save on loans as a borrower too!

Spare change adds up

Our mobile app monitors and rounds up your daily purchases to the next whole dollar and invests this spare change.

You are funding your future every time you shop, without disrupting your lifestyle or spending habits.

Of course, you can deposit more and grow your nest egg anytime you want.

Solid returns, anytime

Skip the bank and earn 5%. Your money is invested into $25.00 fixed interest bonds that fund loans for creditworthy American businesses.

The bonds are backed by a provisional fund so the principal and interest owed to you as investors can still be paid should any loans default.

You can withdraw your money at any time.

Borrow and Save

Want to refinance a student loan or credit card? Need a car or consumer loan? We can connect you with the best options and save you money.

Online lending platforms have no bankers or branches to fund so they can bring you lower loan rates.

A movement in the making

Financial markets are rigged against the small investor and it’s time for a change.

Welcome to a new, fairer, more human side of finance.

worthy helps you save and grow your money — and do it in a way that better aligns with your values and lifestyle.

Your spare change is invested in 5% fixed interest bonds and these funds are used to help fuel American small businesses.

Imagine that — putting your money to work by supporting your fellow humans.

worthy app screenshot

Powered by people.
Not banks or Wall Street.

Your investments make a positive impact while you earn a return from your peers.

worthy invests your money through a peer-lending platform where well-qualified borrowers avoid banks and turn to individual investors like you to fill their financing needs. Putting your money to work while supporting your fellow citizens.

Democracy is not a spectator sport. Join us as we do our part to democratize finance.

made by peerbackers

We wrote the book on crowdfunding and are licensed Registered Investment Advisors, with both an obligation and desire to act in your best interest.

Frequently Asked Questions

Q: How does peer-to-peer lending work?

Well-qualified borrowers use a P2P marketplace to avoid banks and turn instead to individual investors like you.

Instead of investing in an entire loan, worthy invests in fractions of loans in $25 increments. Investing in peer finance is a good way to counter the risk and price fluctuations of a traditional stock portfolio.

Q: What will it cost me?

Worthy has no fees at all.

You will have to pay taxes on your investment returns like everyone else, but you'll be sent all the documents you'll need for tax season.

Q: How do the “round-ups” work?

A “round-up” means when you buy something we round the purchase price up to the next highest whole dollar. For example, when you spend $2.53, we round that up to $3.00 and the .47 difference is tracked towards your investment account. We monitor the purchases on your Worthy linked debit or credit card and when the round-up total reaches $25.00 it is invested in a 5% interest earning bond. Note your bank transactions themselves are not altered — Worthy just calculates the round-ups based on your purchases but does not change your original transaction amounts so your bank statements will stay the same.

Q: What would my return be on a $25 investment?

You are investing your money into fixed rate 5% loan notes which have a maturity of 1 year (although they can be cashed in anytime for a 1% fee). The bonds bought are purchased in $25 increments so a $25 investment will yield $1.25 over a period of a year. A $1,000 investment for example would earn $50 during that same one year period.

Q: How do I start investing now?

Access the Worthy app directly on your mobile device or computer and complete the short registration process after which you'll electronically deposit $25.00 from your checking or savings account in order to activate your account (this buys your first bond). Once your account is activated, round-ups will happen automatically on your everyday purchases using your credit or debit card and the bonds will be purchased automatically every time you accumulate $25.00 in rounded up “spare change”. But you don't have to wait for rounds-ups — you may also buy additional bonds any time you wish to see your savings grow!

Q: What is the difference between P2P and Crowdfunding?

“P2P” (peer to peer) is a term used to describe a new way for borrowers to secure a loan electronically from individual investors through a web based platform instead of a traditional bank. This industry, also referred to as Marketplace Lending, has grown significantly in the last 10 years. It allows the individual investors to benefit from the loan interest paid while the borrowers get their loan proceeds efficiently and cost-effectively.

“Crowdfunding” is a term used to describe a way for entrepreneurs / start-ups / emerging companies / individuals to attract capital using a combination of Internet platforms, contacts within one's social networks and the new regulations through the JOBS Act passed by Congress and signed by the President. The premise of crowdfunding is that it's easier to raise money in small increments from a lot of people rather than a large amount of money from one person. Unlike P2P lending, crowdfunding does not always offer a financial return — sometimes the person contributing money is doing so to “pre-order” a product that will be made with the contributed funds.

worthy nest egg Bypass Wall Street and build your nest egg, one dollar at a time.

We are worthy… and so are you!