Customers Beat Inflation, Gaining Real Purchasing Power
As inflation continues to pressure household budgets across the US, EarnIn customers are outperforming national trends. Even as prices fluctuate, they’re gaining real purchasing power by improving their cash flow and taking control of when they access the pay they’ve already earned.
New EarnIn analysis shows that from 2023 to 2025, EarnIn customers saw growth in available cash flow that significantly outpaced inflation. This reflects a strong association between greater earnings access, pay flexibility, and improved financial outcomes, even amid economic uncertainty.
EarnIn Customers Cash Flow Growth Nearly 2x the Rate of Inflation
From 2023 to 2025, US inflation rose by approximately 9%. Over the same period, EarnIn customers saw their effective, accessible take-home cash increase by roughly 21%, more than twice the pace of inflation.
That gap is significant. When available cash flow grows faster than prices, consumers don’t just absorb higher costs, they gain flexibility, stability, and the ability to make deliberate financial decisions while maintaining control over their budgets.
Access to earnings, on a consumer’s own schedule, is a powerful advantage for US workers nationwide.
Access Changes the Equation
Inflation is going to be what it will be. But how people respond to it is a choice.
EarnIn data shows that improving access to earned pay changes the equation. Allowing customers to tap into pay as they earn helps people not just stay in control of their financial lives, but also get financially ahead as well.
This kind of access isn’t just convenient. It’s empowerment. It allows consumers to:
- Decide when they get paid
- See their money clearly and transparently
- Avoid unnecessary financial friction
- Make proactive choices instead of reactive ones
That control adds up. As inflation rose roughly 9% over two years, EarnIn users saw an effective increase in available take-home cash of roughly 20%, driven by earning more hours, working flexibly, and accessing their pay when it mattered most.
Independent academic research supports this impact, finding that workers who begin using EarnIn’s Cash Out product see an average $334 increase in net monthly income, an 11.5% gain that provides meaningful financial breathing room.
Transparency Builds Power
The data is consistent: while inflation steadily climbed, EarnIn Cash Out users’ adjusted monthly cash flow rose faster, and stayed ahead.
This isn’t about outsmarting the economy. It’s about transparency and choice. When people can clearly see and access what they’ve already earned, they gain the power to plan, adapt, and respond.
Transparency builds trust. And trust builds confidence.
Moving Forward With Choice and Control
Inflation may shape the economic environment, but it doesn’t have to dictate outcomes.
EarnIn exists to give people choice, control, and access to their earnings, so they can engage with the economy on their own terms. And as this data shows, when consumers do, they don’t just keep up, they pull ahead.
Because in today’s economy, power comes from access. And EarnIn customers are proving that when people have it, they can do more than expected.
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