Control your financial future.

Welcome! Saving for emergencies and retirement just got a lot easier.

Nearly a million Marylanders are working full-time but their employers don’t offer a savings plan, so many don’t have money set aside for emergencies and retirement. MarylandSaves, created by the State of Maryland, is designed to help. We provide a safe, trustworthy automatic WorkLife Savings Account for anyone whose employer signs them up or who sign up themselves.

You control your own WorkLife Savings account. It’s your money and stays yours when you change jobs. You can decide how much to save, when to withdraw money, how your money is invested, or that you want to opt-out of the program entirely. But you don’t have to make all those decisions now: your savings are made automatically from your paycheck in pre-set amounts unless and until you make changes.

MarylandSaves is also easy for employers. Registration is quick and FREE: there is no charge to employers – in fact, the State will waive a $300 annual registration fee for employers that sign up.

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Registration is open to all eligible employers. Register now to help your employees save and plan for their future.


Make an investment in your future. MarylandSaves is a flexible and secure way to save and plan for what’s ahead, even if you're self-employed.

Don’t have an Access Code for your business?

If you do not have an Access Code to register your business, you can request one or certify your exemption without an Access Code.

Great benefits to help you succeed


  • Be competitive by offering a great benefit to your employees that many small businesses don’t.

  • There’s no cost for employers to register and no employer contributions to make.

  • Getting started is fast, easy, and secure

  • Works seamlessly with any payroll process

  • Stay competitive by offering a great benefit to your employees

  • You save $300 a year in waived state annual report filing fees.

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  • Secure, simple way to save for emergencies and retirement

  • It’s your money — if you change jobs, your money and your account go with you.

  • You’re in control — you decide how much to save, when to withdraw money, how to invest, and what to do with your money when you retire. Or you can opt out.

  • BUT if you don’t want to make all those decisions, you still have savings to use for emergencies and retirement.

Learn more

MarylandSaves for Employers


MarylandSaves for Savers