Meet Upwise

A financial wellness app that helps you make progress that feels good.

Why you’ll love Upwise

We go beyond the typical financial goal-setting to help you create good habits and feel more optimistic about what your money can do for you. Here’s how our approach is different:

Emotions first, dollars second
We start by understanding your current emotions around your money. Only then do we dive into your financial goals.
Built around your needs
We know your situation is unique. That's why we recommend tailored challenges and content that will help you work toward your goals. 
Small wins for rewarding results
We help you create positive financial habits one step at a time and celebrate your progress along the way.

Challenge yourself to change

Develop positive behaviors that feel good by taking challenges that help you better manage expenses, debt, preparing for the unexpected, and more.

Securely link accounts to learn trends

Keep track of your money easily and holistically in one place to see patterns in your spending habits that you can address.

Personalize your experience

The more you use the app, the better it understands your needs—continuously learning to deliver an experience customized for you. 

Monitor your money mood

Understanding how you feel about your money will guide you in making positive changes. As you use the app, we’ll check in to ensure you’re making progress that feels good.

Frequently Asked Questions

Upwise is available to anyone. You will be prompted to enter your employer's name as part of the account creation process. If your employer doesn’t promote Upwise, you are self-employed or you are not employed, you can still use the app.  Just enter your employer name or indicate that you are self-employed or not employed.

You can download Upwise from the Apple App Store and Google Play.

Yes, Upwise is a free app you can download through Google Play or the App Store, depending on your phone type. 

There may be solutions offered through Upwise that you decide to purchase, but always at your choice.

Yes, you do. After you download the app, you’ll receive prompts to set up an account—it's quick and easy.

No matter how good we are at managing money, there are times where it can be stressful and complex. Based on behavioral science, Upwise is designed to help you create good money habits and make financial progress that feels good.

We start by understanding your emotions about money—we call it your money mood—and then work with you to make managing your financial life more enjoyable and rewarding—one step at a time. We help you take actions that are tailored to you and keep the momentum going, so you feel more confident and get the most out of your money.

Research shows that several factors are involved in helping you form new habits, such as repeating the desired behavior over time and associating that behavior with positive feelings and rewards. We designed our challenges with this psychology in mind to help you develop healthy behaviors that turn into habits that feel good.

Think of challenges as a guided and interactive experiences motivating you take different actions around your finances in order to meet your financial goals and build better money habits.  Challenges are broken down into simple and achievable steps that can fit into your day-to-day life without feeling overwhelming

Participating in challenges can help you create better financial habits around topics that matter to you, like budgeting, debt, investing, creating an estate plan, and more. Some challenges are repeatable and can be taken every week so you can put your knowledge into practice.

So, the real question is: How can challenges not help you? 

Linking your accounts can give you a holistic view of your finances, helping you better understand your financial situation in its totality and set realistic goals. 

  • You may also see patterns and trends you wouldn’t have otherwise noticed, giving you even more insight into behaviors you might want to address.
  • You'll also be able to monitor your linked accounts all in one place and spot potentially fraudulent transactions. 

The safety of your information is our top priority. We use bank-level security to protect your financial and account data, including 256-bit encryption and LDAP.

The information you share with us, including anything shared with our partners, is in safe hands. Upwise by MetLife follows industry standards to maintain reasonable and appropriate safeguards for the security, integrity, and confidentiality of the information in our possession. We require the same of our vendors and service providers. Your data will only be accessed by those who need it, as outlined in our privacy policy.

Personal information collected by MetLife is stored in secure operating environments that are not available to the public. We have technical, administrative, and physical security measures in place to protect your information from unauthorized access and improper use. 

No, we’ll never share any of your data, such as personal information, survey responses, feedback you provide, or anything that could be used to identify you, without your approval. We may share aggregated, unidentifiable information about how users at your company use Upwise, as well the demographics and program participation details of all Upwise users at your company. 

For account issues, feel free to email us at

We divide challenges into three categories: Do it for me, do it with me, and teach me. We’ll explain each one:  
  • Do it for me challenges enable us to take actions at your request, like canceling a subscription for you or renegotiating the cost.
  • Do it with me challenges suggest actions you can take to move closer to your goal, such as setting a monthly spending limit that feels reasonable for you. 
  • Teach me challenges give you a series of articles to read to help boost your knowledge with tips to practice what you’ve learned. They usually end with a short questionnaire to test your skills.

You’re one click away from building better money habits. Download the app