Your team, your benefit plan
A single platform to customize your employees’ saving and reward programs
Employee savings program
Employee contribution
Company matching
You can offer matching contributions to encourage your employee participation—whether as fixed amounts, tiered incentives, or percentages. Matching can be fully customized to align with your company’s budget and strategy – strengthening your position as an employer of choice.
Smart vesting rules
To ensure your matching contributions drive true long-term value, our program allows you to set clear retention milestones employees must meet before becoming eligible to receive employer-matched savings. Based on minimum years of service, unvested funds are automatically returned to the company if employees leave early—turning your rewards budget into a powerful retention tool, not a sunk cost.
Perfromance Reward Program
Rewarding performance has never been easier. Whether you’re designing short-term incentive plans awarded annually, implementing more complex deferred programs that vest over multiple years, or issuing performance-based equity, the Performance Rewards Program adapts to your needs. Built to align your workforce with long-term strategy, it ensures employees connect their goals with shareholder outcomes—creating a high-performance culture where rewards are earned, understood, and valued.
Performance & Eligibility
Reward Allocation
Once performance is assessed, eligible employees receive their reward allocation based on pre-defined payout structures. Whether it’s a fixed bonus, a percentage of salary, or a pooled incentive distributed across top performers, the system ensures consistency and fairness. You can offer flexible reward types—such as cash, equity, or deferred value—tailored to job grades or business units, with automated calculations that eliminate manual errors and streamline approvals.
Vesting & Payout
Rewards can be structured to vest over multiple years, unlock after specific milestones, or even depend on the completion of other performance cycles—ensuring employees remain aligned with long-term company goals. If an employee exits early or fails to meet retention conditions, unvested rewards are forfeited, protecting company resources. Meanwhile, Thriftplan’s integrated sensitivity analysis and forecasting tools enable your finance team to model scenarios, set provisions proactively, and manage liabilities with confidence throughout the entire reward cycle.
End Of Service
EOS Calculation
Provision Management
Thriftplan allows you to move away from ad-hoc or year-end EOS settlements by setting up structured monthly provisions. Our platform calculates and tracks your end-of-service liabilities in real time, then breaks them down into manageable monthly installments—helping you build reserves gradually throughout the year. This approach eases the burden on your cash flow, aligns with financial planning cycles, and ensures your company is always prepared for employee exits—without last-minute surprises or funding gaps. Actuarial assumptions, retention trends, and salary forecasts are fully integrated to help you provision accurately and stay audit-ready.
Investment of EOS Funds
Convert passive liabilities into productive capital by investing EOS reserves through approved channels. Our integrated investment options offer potential returns while keeping funds accessible, allowing you to meet obligations and improve financial efficiency.
Success our clients report
Over 80% of employees reported higher satisfaction after enrolling in the ThriftPlan program.
We saw a 25% increase in employee referral over the first year to recommend us as an employer of choice to their peers.
Unique features that add value to your workspace savings program
Flexible plans
You can define different matching and vesting rules for your company benefit groups.
Tailored policy
Programs are fully tailored to your strategy. No matter how complex or simple we are here to help.
Only pay for achievements
There are conditions employees must meet to be eligible for employer matching or rewards.
Sharia compliant investment options
Offer investment options with preferred terms to your employees, all easily manageable through their employee app.
Get solutions that match your business needs
We offer end-to-end support through Consultancy, Technology, and Education — tailored to your company’s needs.
For employees
Start your financial journey today
With ThriftPlan, you have full visibility over your benefits. You can track your savings, see your earned rewards, and even choose how you’d like to receive them-whether in cash, equity, or salary increases. All of this is available through a secure, easy-to-use mobile app that puts your financial well-being at your fingertips.