Nonprofit · EIN 91-2172676
EARN INC
Tax-exempt · SAN FRANCISCO, CA 94104
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $9,312,961 | $4,621,084 | $4,691,877 | $5,974,643 | $234,051 | $5,740,592 |
| December 31, 2023 | 990 | $2,776,669 | $5,561,581 | -$2,784,912 | $1,261,403 | $212,688 | $1,048,715 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $9,171,138
- Program service revenue
- $138,987
- Investment income
- $2,086
- Other revenue
- $750
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $681,094
- Other salaries and wages
- $1,500,571
- Salaries, compensation and benefits (total)
- $2,528,443
- Professional fundraising fees
- $0
- Legal fees
- $850
- Accounting fees
- $96,324
- Occupancy
- $13,113
- Travel
- $57,476
- Depreciation
- $310,297
- Program services (functional)
- $3,597,050
- Management and general (functional)
- $589,414
- Fundraising (functional)
- $434,620
Balance sheet and other
- Total assets, start of year
- $1,261,403
- Total assets, end of year
- $5,974,643
- Total liabilities, end of year
- $234,051
- Net assets, end of year
- $5,740,592
- Land, buildings and equipment
- $412,598
- Net assets without donor restrictions
- -$168,360
- Net assets with donor restrictions
- $5,908,952
- Gross receipts
- $9,312,961
- Employees
- 24
- Volunteers
- 10
- Year formed
- 2001
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LEIGH PHILLIPS | CEO Officer | 38 | $250,000 | $22,836 |
| SARAH WILLIS | COO Officer | 38 | $210,000 | $17,031 |
| SUSAN LYON | DIRECTOR OF MARKETING Highest-paid employee | 38 | $164,375 | $16,951 |
| CAROL KASTEN | VP OF GOVERNANCE, RISK & COMPLIANCE Key employee | 38 | $160,000 | $21,227 |
| MATHIEU RONALD DESPARD | VP OF RESEARCH & POLICY Highest-paid employee | 38 | $170,000 | $6,706 |
| STEVE HAWKER | DIRECTOR OF PLATFORM OPERATIONS Highest-paid employee | 38 | $147,420 | $14,028 |
| REBEKAH COLLINSWORTH | DIRECTOR OF BRAND AND COMMUNICATIONS Highest-paid employee | 38 | $140,400 | $6,557 |
| MAYA PENDLETON | SENIOR RESEARCH MANAGER Highest-paid employee | 38 | $116,688 | $17,013 |
| NICK EATON | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| PRESTON DODD | TREASURER Trustee or director, Officer | 0.5 | $0 | $0 |
| TIFFANY TENG | SECRETARY Trustee or director, Officer | 0.5 | $0 | $0 |
| DON BAYLOR | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| NIDHI DAGA | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| JAKE FUENTES | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| SAMIR GOEL | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
3 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| BENJAMIN MANGAN | BOARD MEMBER Trustee or director | 0.5 | $0 |
| KARIN MEYER | BOARD MEMBER Trustee or director | 0.5 | $0 |
| IDA RADEMACHER | BOARD MEMBER Trustee or director | 0.5 | $0 |
990 for the year ended December 31, 2023: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LEIGH PHILLIPS | CEO Officer | 38 | $216,000 | $21,965 |
| ASHLEY SHERWIN | COO Officer | 38 | $201,400 | $23,613 |
| NEHA GUPTA | VP, MEMBER EXPERIENCE Highest-paid employee | 38 | $172,536 | $15,384 |
| SUSAN LYON | DIRECTOR OF MARKETING Highest-paid employee | 38 | $145,673 | $16,192 |
| ANITA SHARMA | CHIEF IMPACT OFFICER Highest-paid employee | 38 | $150,206 | $9,486 |
| STEVE HAWKER | DIRECTOR OF PLATFORM OPERATIONS Highest-paid employee | 38 | $140,400 | $16,950 |
| RADHA SESHAGIRI | DIRECTOR OF POLICY & SYSTEMS CHANGE Highest-paid employee | 38 | $147,108 | $6,000 |
| NICK EATON | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| PRESTON DODD | TREASURER Trustee or director, Officer | 0.5 | $0 | $0 |
| TIFFANY TENG | SECRETARY Trustee or director, Officer | 0.5 | $0 | $0 |
| DON BAYLOR | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| NIDHI DAGA | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| JAKE FUENTES | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| SAMIR GOEL | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| BENJAMIN MANGAN | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| KARIN MEYER | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| IDA RADEMACHER | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 548 MARKET ST PMB 46387, SAN FRANCISCO, CA 94104-5401
- In care of
- % LEIGH PHILLIPS
- Principal officer (990 for 2024)
- LEIGH PHILLIPS, 548 MARKET STREET PMB 46387, SAN FRANCISCO, CA 94104
- Signed the 990
- LEIGH PHILLIPS, CEO
- Phone
- (415) 503-9818
- Website
- WWW.SAVERLIFE.ORG
- Return prepared by
- LUTZ AND CARR CPAS LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 91-2172676 or by the name EARN INC.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
SAVERLIFE (FORMERLY EARN) IS A NONPROFIT ON A MISSION -- TO INSPIRE, INFORM, AND REWARD THE MILLIONS OF AMERICANS WHO NEED HELP SAVING MONEY. THROUGH ENGAGING TECHNOLOGIES AND STRATEGIC PARTNERSHIPS, WE GIVE WORKING PEOPLE THE METHODS AND MOTIVATION (CON'T ON SCHEDULE O) TO TAKE CONTROL OF THEIR FINANCIAL FUTURE.
Program accomplishments
- COMMUNITY:SAVERLIFE'S FINANCIAL TECHNOLOGY PLATFORM SERVES MORE THAN 635,000 PEOPLE ACROSS THE COUNTRY WHO ARE LIVING ON LOW-TO-MODERATE INCOMES. THROUGH OUR APP, WE PROVIDE OUR MEMBERS WITH A PERSONALIZED EXPERIENCE THAT INCLUDES FINANCIAL CONTENT, SAVINGS REWARDS AND INCENTIVES, TRUSTED REFERRALS, ACCESS TO A SUPPORTIVE ONLINE COMMUNITY, AND OPPORTUNITIES TO ENGAGE IN OUR ADVOCACY AND POLICY WORK. SAVERLIFE WORKS - OUR MEMBERS DEPOSIT 15% OF THEIR INCOME INTO SAVINGS, AND 56% OF SAVERLIFE MEMBERS IMPROVE THEIR FINANCIAL HEALTH SCORE AT 6, 12, AND 18 MONTHS AFTER JOINING.Expenses $2,865,398 · revenue $7,761
- RESEARCH & ADVOCACY:SAVERLIFE BRINGS OUR MEMBERS' VOICES AND PRIORITIES INTO SYSTEMS-LEVEL CONVERSATIONS TO ENSURE CURRENT AND EMERGING PRODUCTS, PROGRAMS, AND POLICIES SUPPORT THEIR UNIQUE FINANCIAL HEALTH JOURNEYS. SAVERLIFE'S FINTECH PRODUCT PROVIDES UNIQUE ACCESS TO REAL-TIME, HOUSEHOLD-LEVEL FINANCIAL TRANSACTIONS, BANK ACCOUNT DATA, AND DEMOGRAPHIC INFORMATION, GIVING INSIGHT INTO THE FINANCIAL LIVES OF OUR MEMBERS OVER TIME. AND BECAUSE WE'VE BUILT AN ENGAGED COMMUNITY OF MEMBERS ACROSS THE COUNTRY, WE CAN BRING THEIR DATA AND STORIES TOGETHER THROUGH PUBLISHED RESEARCH TO HIGHLIGHT HOW A MORE THOUGHTFUL AND INCLUSIVE FINANCIAL SYSTEM CAN HELP THEM ACHIEVE FINANCIAL WELL-BEING.Expenses $731,652 · revenue $131,226
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 91-2172676
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2002
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Philanthropy, voluntarism and grantmaking foundations (T99)
- Assets (IRS master file)
- $5,974,643
- Income (IRS master file)
- $9,312,961
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $9,312,961 | $4,621,084 | $5,974,643 | IRS |
| 990 | December 2023 | $2,776,669 | $5,561,581 | $1,261,403 | XML |
| 990 | December 2022 | $6,551,972 | $6,486,663 | $4,318,244 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 91-2172676).
Questions about EARN INC
- What is the EIN of EARN INC?
- The employer identification number (EIN) of EARN INC is 91-2172676.
- Is EARN INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2002.
- Are donations to EARN INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does EARN INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of EARN INC due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did EARN INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of EARN INC?
- The 990 for the year ended December 31, 2024 names LEIGH PHILLIPS.
- Who are the officers and directors of EARN INC?
- The 990 for the year ended December 31, 2024 lists 18 people; 8 received compensation from the organization, the highest $250,000 (LEIGH PHILLIPS, CEO).
- How much revenue does EARN INC have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $9,312,961, expenses of $4,621,084 and total assets of $5,974,643 at year end.
Other nonprofits in SAN FRANCISCO
- SERGEY BRIN FAMILY FOUNDATION EIN 47-2107200 · last filed 990-PF for 2024
- JEWISH COMMUNITY FEDERATION OF S F MARIN PENINSULA & SONOMA COUNTIES EIN 94-1156533 · last filed 990 for 2025
- MAXWELL HANRAHAN FOUNDATION EIN 83-2118884 · last filed 990-PF for 2024
- TIDES FOUNDATION EIN 51-0198509 · last filed 990 for 2024
- SAN FRANCISCO FOUNDATION EIN 01-0679337 · last filed 990 for 2025
- JAMES IRVINE FOUNDATION EIN 94-1236937 · last filed 990-PF for 2024
- UNITED STATES ENERGY FOUNDATION EIN 83-1740146 · last filed 990 for 2024
- GIVE FORWARD FOUNDATION EIN 82-3785197 · last filed 990-PF for 2024
All nonprofits in SAN FRANCISCO · California · Philanthropy, voluntarism and grantmaking foundations