Common Cents Lab™

With support from MetLife Foundation, our world-class behavioral researchers design and test solutions to increase the financial well-being for low- to moderate- income people living in the United States. Learn more

Common Cents is supported by MetLife Foundation

What We Do

We work with fintech companies, banks, credit unions, and non-profits to design and test behavior-based interventions aimed at increasing financial well-being for low- to moderate- income people living in the United States.
See our current partners and find out how to partner with us.

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

We share behavioral insights on financial decision-making to practitioners.
Read about our experiments on the psychology of money.


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

We use the 3B method to diagnose behavior change.  Organizations like Google and 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 benefiting 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 2016, MetLife Foundation has provided more than $744 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