Welcome to Delaware EARNS. The easy way to save for retirement.

Secure your financial future

Delaware EARNS, is a new retirement savings program, sponsored by the Office of the State Treasurer. Here in Delaware, nearly 150,000 workers have no way to save for retirement through their workplace. This program was created to help bridge our state’s retirement savings gap.

With EARNS, businesses can help their employees save for retirement in a Roth Individual Retirement Account (IRA) through convenient payroll deductions. This new program is an easy way for Delawareans to save for the future.

Man smiling in front of semi truck


Registration for the EARNS program is now open for all eligible employers.


Plan for what’s ahead. EARNS is a flexible and secure way to save, even if you’re self-employed.

Great benefits to help you succeed

Employer benefits

  • No cost for employers 

  • Getting started is fast and easy

  • Works seamlessly with your payroll process

  • Stay competitive by offering access to a great benefit to your employees

  • Requires very little time and administration

  • No fiduciary responsibility for employers

Learn more about employer benefits

Saver benefits

  • Secure, simple way to save for retirement

  • Your account stays with you through career changes without complicated rollovers

  • Customizable contribution amounts to meet your needs

  • It’s voluntary — stay enrolled automatically or opt out and re-enroll later

  • Access to online tools and real people trained to answer your questions

Learn more about saver benefits

Want even more info?

Download additional information about EARNS.

Employer Fact Sheet

Saver Fact Sheet

Expanding access to retirement savings in Delaware

More than one quarter of Americans have no money saved for retirement.1 EARNS can help you bridge the retirement savings gap.


1. “Your Evening Briefing: One in Four Americans Have No Retirement Savings,” Bloomberg, 17 April 2023. https://www.bloomberg.com/news/newsletters/2023-04-17/bloomberg-evening-briefing-one-in-four-americans-have-no-retirement-savings