The Perfect Employee Benefits Plan for Your Business

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Your team, your benefit plan

A single platform to customize your employees’ saving and reward programs

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Employee savings program

Make it easy for your employees to secure their financial future by offering a flexible savings program that can be added to your employee benefits.

Employee contribution

Employees can contribute directly from their monthly salary through automated payroll deductions. The contribution amount is flexible and can be adjusted by the employee based on their financial goals. With access to a personalized savings dashboard and investment options aligned with their risk profile, your employees can track progress toward long-term targets—such as retirement, education, or future expenses.

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

Set clear performance criteria using individual KPIs, overall appraisal scores, or company-wide objectives to determine reward eligibility. You can include guaranteed elements, modifiers based on business results, or tiered thresholds for different roles. This structured approach ensures that employees earn their rewards transparently and fairly—eliminating ambiguity, reducing errors, and building long-term trust in your performance culture.

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

Managing end-of-service liabilities has never been smarter. Whether you’re navigating complex labor law provisions or planning long-term obligations, our EOS Program simplifies the process with actuarial modeling, automated tracking, and investment integration. Designed to enhance cost control, compliance, and funding visibility, it transforms a mandatory provision into a strategic advantage for HR, Finance, and Audit teams.

EOS Calculation

Automatically calculate EOS entitlements for each employee based on tenure, salary history, contract type, and applicable Saudi labor laws. The platform updates in real time as employee data changes, ensuring accurate and compliant accruals with zero manual tracking.

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.

Explore our solutions

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.

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