Set it. Forget it. Build equity.

The benefits of automating payments

Control and flexibility

Join more than 50,000 people that use EarnUp to build equity faster, and over the long term reduce the amount of interest they pay on their mortgage loans.

With EarnUp, you can schedule your mortgage to be paid when you get paid. When you break your monthly payments into two, you eliminate the payment shock that comes with a single large payment.

The power of three builds equity

If you’re paid every other week, EarnUp’s Equity Accelerator® uses your three-paycheck months to your advantage.

By reserving equal portions of your mortgage payment each payday, you’ll automatically pay down the principal more quickly, and save¹ on interest.

Some months have three paydays

There are generally two months each year when you get three paychecks. How?  When you’re paid every other week, you receive 26 paychecks each year (52 weeks divided by 2 = 26).   

2023 three paycheck months
  • If your first paycheck is 1/6/2023, your three paycheck months are March and September
  • If your first paycheck is 1/13/2023, your three paycheck months are June and December


You’re in control

Did something change this month? No problem. You can adjust your payment schedule at any time. Pause, edit, or reschedule payments to fit your life.


We’re on your side

EarnUp is more than an automated loan payment platform. We’re people who care about your financial health. We’re always here to help and available via phone or email.

“It’s nice to not have to save up. My wife gets paid biweekly, I get paid weekly, and it’s just easier to manage our mortgage this way.”

Adam S. Indiana

  1. Savings and term reduction are net of fees and are calculated based on the expectation of additional payments made towards the loan principal over the life of the loan. The loan must be paid to completion in order to realize the savings. Savings may vary based on your unique EarnUp Program