Your team, your benefit plan
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 enable your finance team to model scenarios, set provisions proactively, and manage liabilities with confidence throughout the entire reward cycle.
End of service
Every Saudi company carries end-of-service benefits as a liability on its balance sheet, capital that sits idle until an employee exits. ThriftPlan’s EOSP turns those reserves into productive, professionally managed capital through approved investment channels, without compromising your ability to meet obligations when they come due. A mandatory provision becomes a strategic asset.
Productive Capital
Your EOS reserves are channeled into approved investment options selected for balanced returns and liquidity. Through the ThriftPlan dashboard, finance teams set allocation preferences, track performance in real time, and maintain the cash availability needed to meet employee exits as they occur.
A Stronger Employee Promise
HR leaders can demonstrate real commitment to their workforce with an EOS program that’s actively funded and professionally managed. ThriftPlan gives HR teams the reporting to share funding status with leadership and confidence in conversations with employees turning a line item on the balance sheet into a visible part of the employee value proposition.
Governed and Audit-Ready
Every contribution, allocation, return, and disbursement is logged through approved channels aligned with Saudi regulatory and Shariah-compliance standards. Built-in reporting gives finance, audit, and board stakeholders a traceable record on demand no reconciliation spreadsheets, no year-end surprises.
Success our clients report
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.