Financial wellbeing for the modern workforce
We believe scale-ups today need a solution that knows their teams' actual numbers - and their company's actual policies.
Tom Wilson
Head of Marketing | M3 | Joining Jul 2023
Vesting Equity
1250 RSUs | 36 month cliff
Next vest deadline
Base
GBP
£125,000
London
Target Bonus
GBP
£18,000
Paid 50-50 Cash-RSU
terraledge
Insights
terraledge analysis name
Your company stock is 30% of your net worth. diversified portfolios at your stage typically hold under 10% in any single asset
Wei Chen
Software Engineer | L5 | Joined Jan 2021
EMI Options
230
Next vest deadline
Base
GBP
£95,000
London
Incentive Comp
GBP
£35,000
Paid All Cash
terraledge
Insights
Concentration Risk (shown to employee)
Exercising 230 EMI options will create a single stock concentration in your portfolio and high sector concentration to Tech sector
Adi Singh
Growth Director | L7 | Joined Jan 2025
Vesting
230
Next vest in 62 days
Base
GBP
£120,000
London
Incentive Comp
GBP
£40,000
Paid All Cash
terraledge
Insights
Tax Impact (shown to employee)
Your June vest will be UK-taxable — but your time in Singapore may qualify for split-year treatment. save ~£3,800 if claimed.
Built for your team Built for 2026
Employee data Open Banking & OCR
Banks, investments, mortgages, pensions across providers. Household-level when employees want it
Banks, investments, mortgages, pensions across providers. Household-level when employees want it
Employee data Open Banking & OCR
Banks, investments, mortgages, pensions across providers. Household-level when employees want it
Employer data via HRIS
salary, bonus, equity, vesting, pension. Live, not annual
salary, bonus, equity, vesting, pension. Live, not annual
Employer data via HRIS
Salary, bonus, equity, vesting, pension. Live, not annual
AI that meets employees where they are
An adviser-grade coach that scales from "what's a pension match?" to "should I exercise EMI options before exit?" depending on who's asking
An adviser-grade coach that scales from "what's a pension match?" to "should I exercise EMI options before exit?" depending on who's asking
AI that meets employees where they are
An adviser-grade coach that scales from "what's a pension match?" to "should I exercise EMI options before exit?" depending on who's asking
Company context
Your pay policies, your tax memos, your HR knowledge base — all in a private RAG instance only your employees can query.
Your pay policies, your tax memos, your HR knowledge base — all in a private RAG instance only your employees can query.
Company context
Company pay policies, tax memos, the entire HR knowledge base - all in a secure private RAG instance only the employees can query
Built for the priorities reshaping employee benefits
Recovering HR's strategic time
Reduce HR's time spent answering pay and benefits questions from 25% to <10% . terraledge handles them directly — grounded in your actual policies and UK law — so HR can focus on the work that needs them
Source: Sage HR Trends Report, 2024 / CIPD People Profession Survey, 2024
Recovering HR's strategic time
Reduce HR's time spent answering pay and benefits questions from 25% to <10% . terraledge handles them directly — grounded in your actual policies and UK law — so HR can focus on the work that needs them
Source: Sage HR Trends Report, 2024 / CIPD People Profession Survey, 2024
Making compensation make sense
Between base, bonus, equity, vesting, pension match, and salary sacrifice, 56% of employees admit they don't fully understand their total package. terraledge translates every component into one clear picture they can actually act on
Source: Mercer, Inside Employees' Minds 2024
Making compensation make sense
Between base, bonus, equity, vesting, pension match, and salary sacrifice, 56% of employees admit they don't fully understand their total package. terraledge translates every component into one clear picture they can actually act on
Source: Mercer, Inside Employees' Minds 2024
Addressing financial wellbeing as a business priority
Wellbeing has overtaken cost of living as the top employee concern. terraledge gives every employee the planning tools to take pressure off, before it shows up in performance
Source: Mercer, Inside Employees' Minds 2025-2026
Addressing financial wellbeing as a business priority
Wellbeing has overtaken cost of living as the top employee concern. terraledge gives every employee the planning tools to take pressure off, before it shows up in performance
Source: Mercer, Inside Employees' Minds 2025-2026