The homeownership benefit built for payroll.
Homeownership is one of the biggest financial goals employees have. Few workplace benefits are built to help them reach it.
Home Savings Plans give employees a dedicated place to save through payroll, with the guidance to go from wanting to own a home to being financially prepared to buy one.
The real barrier to homeownership isn't the down payment.
Buyers spend years saving for a down payment — then get blindsided at the closing table by $6,000–$15,000 in costs no one warned them about. Down payment assistance programs exist. No employer benefit covers the actual cost of closing on a home.
Home Savings Plans close that gap — and they run on the payroll infrastructure your platform already operates.
The median first-time homebuyer is now 40 — an all-time high. Buyers aren't failing underwriting. They're failing on savings velocity. HSPs are the only payroll benefit built to solve it.
Think of it as an HSA for buying a first home.*
Home Savings Plans give employees a dedicated account for their first home purchase, funded automatically through the same payroll-deduction rails your platform already runs for 401(k), FSA, and HSA.
A dedicated home account
An FDIC-insured account built only for homeownership, separate from general savings and impossible to confuse with any other goal.
Payroll-integrated, pre-tax*
Contributions flow pre-tax* from every paycheck through the same deduction infrastructure that powers 401(k) and FSA today. Partners have nothing new to build.
Purpose-built for closing
Funds are designated for down payments, closing costs, and home-start allowances. These are the expenses that stop buyers at the finish line. Family can contribute too, up to a $40,000 lifetime cap.*
*Pre-tax contributions are expected in 2027, pending federal legislation. Contributions are currently made after tax.
From integration to impact, in three steps.
Payroll providers integrate
Your platform adds HSP as a benefit option, using the same deduction rails that already power 401(k) and FSA flows. We provide the API spec and integration support.
Employers activate
HR and benefits leaders switch HSPs on for their workforce using the co-branded materials and activation playbook Six Pillar hands over, ready to deploy.
Employees start saving
Employees open an HSP, set a home goal, and build toward their first purchase with automatic pre-tax* contributions every pay period.
*Pre-tax contributions are expected in 2027, pending federal legislation. Contributions are currently made after tax.
Own a category before it exists.
HSPs plug into payroll infrastructure the same way you handle 401(k) and FSA today. Be the first platform to offer a homeownership savings benefit — and define the category before competitors can respond.
- First-mover advantage. No payroll platform offers a dedicated homeownership benefit yet. Early integrators define the standard.
- Sticky, embedded infrastructure. Once live, HSPs become part of the payroll stack — with real switching costs that compound over time.
- New recurring revenue per account. Per-account fees generate revenue alongside your existing benefit offerings — a new line, not a cost center.
- We handle activation. Six Pillar provides co-branded employer materials, employee onboarding, and a full activation playbook. Your team stays focused on the integration, not the rollout.
What we'll walk you through
The questions your product, revenue and compliance teams will ask first.
- IntegrationHow HSPs run on your existing deduction rails, and what your engineering team would need.
- Employer activationThe onboarding and co-branded materials Six Pillar provides so your clients can switch HSPs on.
- Revenue modelPer-account economics, market size and employer adoption assumptions.
- Legislation and complianceThe Home Savings Plan Act, the sponsor-bank structure and FDIC coverage.
Attract top talent
Offer a benefit your competitors don't have yet — one that resonates with the generation navigating the housing crisis right now.
Improve retention
Employees with a clear path to homeownership stay longer. An HSP shows you're invested in their future — not just their paycheck.
Zero admin burden
No new systems to manage. HSPs run through your existing payroll provider — Six Pillar handles onboarding, education, and support.
Automatic payroll savings
Contributions flow from every paycheck into a dedicated home account — no manual transfers, no forgotten deposits. Saving on autopilot.
Give your people a real path to a first home.
Offering a Home Savings Plan is how forward-thinking employers help their workforce actually afford to buy — not just save vaguely toward it. It's the benefit they'll remember at review time, referral time, and offer-acceptance time.
HSPs activate through your payroll provider as integrations go live. Add your company to the employer interest list now.
Bring Home Savings Plans to your platform or workforce
Tell us where you sit and someone from our team will be in touch within one business day.
- How Home Savings Plans work with your payroll system
- Employer activation and co-branded materials
- Revenue model and partner economics
- How employee savings are held and protected