Common Cents Lab

Powered by world class behavioral researchers and with support of MetLife Foundation, we design and test solutions to increase the financial well being for low to middle income Americans. Learn more

Common Cents is supported by MetLife Foundation

What We Do

We build evidence-based tools for spending, lending, saving, and financial planning.
Learn what we’re up to right now

We develop and test behavioral interventions within existing financial institutions.
Find out how to partner with us

We spread insights on financial decision making broadly.
Read about our experiments on the psychology of money


As social science research has repeatedly highlighted, we often fail to act on our intentions. Most of us want to improve our financial situation and most of us have strategies to do this, yet we repeatedly struggle. The Common Cents Lab is trying to bridge this gap.
Learn more about the Intention / Action gap. 

Have you tried the 3Bs? Companies like Google, non profits and even the World Bank are learning the 3Bs in order to develop behaviorally informed interventions.
Learn the process. 

The advisory council will support our vision to increase financial well-being for millions.


Common Cents is supported by MetLife Foundation.

MetLife Foundation believes that everyone should have access to the right financial tools and services to build a better tomorrow. The Foundation’s mission of financial inclusion focuses on increasing low-income families’ readiness, willingness and ability to engage with the financial sector, in advancing the delivery of high-quality financial products and services, and in investing in research and learning with the view of benefitting those who need it most.

About MetLife Foundation

MetLife Foundation was created in 1976 to continue MetLife’s long tradition of corporate contributions and community involvement. Since its founding through the end of 2014, MetLife Foundation has provided more than $670 million in grants and $70 million in program-related investments to organizations addressing issues that have a positive impact in their communities. Today, the Foundation is dedicated to advancing financial inclusion, committing $200 million to help build a secure future for individuals and communities around the world. To learn more about MetLife Foundation, visit