# Candidly

> Candidly is an AI-native financial wellness platform that helps employers, financial institutions, recordkeepers and banks deliver personalized guidance on student debt, savings and retirement. Formerly FutureFuel.io, the company optimizes income-driven repayment, powers student-loan-to-401(k) retirement matches under SECURE 2.0, and now runs a multi-agent AI system - the Candidly Intelligence Center, fronted by its conversational assistant Cait - that spans debt payoff, budgeting, college planning and tax-advantaged accounts. Founded in 2016 by Laurel Taylor, Candidly reports it can reach roughly 1 in 2 U.S. workers through its distribution partners.

- **Founded:** 2016
- **Headquarters:** New York, New York, United States
- **Founders:** Laurel Taylor (Founder & CEO), Kevin Walker (Co-founder & President)
- **Team size:** ~70-100 employees
- **Products:** Candidly Intelligence Center, Cait (Conversational AI Tool), Student Loan Retirement Match, Student Debt Optimization, Savings & College Planning
- **Notable:** Named a 2025 World Economic Forum Technology Pioneer., $2.3 billion in projected student debt impact reported in the 2025 Annual Impact Report., $66 million in projected additional retirement savings for users (2025 report).

## Products & services

- **Candidly Intelligence Center** — Enterprise-grade, deterministic multi-agent AI infrastructure that delivers personalized financial guidance to every end user across debt, savings, retirement, budgeting and benefits.
- **Cait (Conversational AI Tool)** — Multi-modal, white-label conversational AI assistant that guides users through student loan repayment, college planning and broader financial decisions.
- **Student Loan Retirement Match** — SECURE 2.0-enabled program letting employers match employees' student loan payments with 401(k)/403(b) contributions.
- **Student Debt Optimization** — AI-driven income-driven repayment optimization, forgiveness estimation, refinancing finder and gamified extra-payment tools that shorten repayment.
- **Savings & College Planning** — Emergency savings automation, tuition reimbursement/Section 127 tools and college planning guidance across the education-expense lifecycle.

## Achievements

- Named a 2025 World Economic Forum Technology Pioneer.
- $2.3 billion in projected student debt impact reported in the 2025 Annual Impact Report.
- $66 million in projected additional retirement savings for users (2025 report).
- Laurel Taylor named to Inc.'s 2025 Female Founders list.
- Reported users save ~$358/month on optimized repayment plans and shorten repayment by ~5 years.
- Distribution reach covering roughly 1 in 2 U.S. workers.

## Latest updates

- **2026-07** — Expanded its AI Financial Guidance Platform with six new capabilities, including guidance for Trump Accounts (Invest America children's investment accounts), retirement, equity comp, budgeting and benefits intelligence.
- **2026-03** — Sold its College Finance marketplace to NerdWallet to accelerate AI expansion.
- **2026-02** — Unveiled its multi-agentic AI technology platform and reported $2.3B projected student debt impact and $66M projected retirement gains in its 2025 Annual Impact Report.
- **2025-07** — Introduced Cait, a multi-agent conversational AI assistant for student debt and college planning.
- **2025-06** — Named a 2025 Technology Pioneer by the World Economic Forum.
- **2025-04** — Announced partnership with Fiducius to add college planning and payment tools.
- **2025-03** — Laurel Taylor named to Inc.'s 2025 Female Founders list.

## Links

- Website: https://getcandidly.com
- LinkedIn: https://www.linkedin.com/company/getcandidly
- Twitter/X: https://twitter.com/getcandidly
- Facebook: https://facebook.com/getcandidly

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Profile page: https://yespress.io/candidly
Published by YesPress — https://yespress.io
Last updated: 2026-07-13