Acquisition
May 2020EarnIn acquired Tip Yourself, expanding its savings-oriented product set.
SourceCompany research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
EarnIn is a Mountain View-based fintech that lets workers access wages they have already earned, and has expanded from consumer earned-wage access into a broader earnings-management platform with payroll and financial wellness products.
Primary product
Earned wage access app (Cash Out)
Founded
2012
Headquarters
Mountain View, California, United States
Team size
201-500
Work style
Flexible
Industry
Financial Services
Sub-industry
Fintech / earned wage access / payroll software
Offices
Mountain View, CA (HQ)
Loveland, OH
Palo Alto, CA
Vancouver, BC, Canada
Mexico City, Mexico
Funding
Stage
late-stage private, venture-backed, with recent debt financing
Total raised
$421.2M
Latest round
Line of Credit - II · Sep 2025
Latest amount
$150M
Sep 2025 · Cross River
Sep 2025 · Cross River Bank
People & investors
Leadership
Founder & CEO
Chief Technology Officer
Chief Financial Officer
Work & culture
Distributed remote and hybrid teams across multiple countries; EarnIn emphasizes belonging, collaboration, impact, inventiveness, employee resource groups, volunteering, mentoring, and career development.
Work style
Flexible
Compensation
Public job postings use location-based salary bands and include equity and benefits; examples surfaced publicly include a Mountain View range of $228k-$279k plus equity/benefits and a Canada range of $199k-$244k plus equity/benefits.
Benefits
mentoring program
annual education/training stipend
generous PTO
parental leave
caregiver leave
Product & market
Pricing
Core Cash Out has no mandatory fees or interest; Lightning Speed and Early Pay are fee-based add-ons, and the B2B payroll product is enterprise-priced but not publicly disclosed.
Differentiators
- —access to wages already earned before payday
- —no mandatory fees or interest on core Cash Out
- —no credit check for core product
- —no employer integration required for core EWA
- —real-time Live Pay through EarnIn Card
- —broader suite of financial wellness tools
- —consumer app plus B2B payroll platform
- —global distributed workforce supporting multi-country operations
Technology
AWS
EC2
Scale & contact
Estimated revenue
US$80M–US$90M
Estimated monthly visits
1.1M
Traffic estimate as of May 2026
Signals & risks
Acquisition
Jun 2026EarnIn launched Earn Better after acquiring EarnBetter, adding a jobs platform and AI-assisted job search tools.
SourceOther
Latest news
PYMNTS · Jul 2026
EarnIn launched Earn Better, a jobs platform intended to extend the app’s value proposition beyond wage access and support users between jobs.
Business Wire · Jun 2026
EarnIn launched Earn Better after acquiring EarnBetter, adding a free jobs platform with AI resume, cover letter, interview coaching, and application tracking tools.
Business Wire · Mar 2026
EarnIn said Live Pay surpassed one million transactions since July 2025 and cited strong engagement and credit-score improvement signals.
American Banker · Feb 2026
The D.C. Court of Appeals declined to review an interlocutory appeal in litigation over whether EarnIn's products are loans, leaving a favorable lower-court dismissal in place for now.