Savings plans and programs-play

Financial security provides you and your family with peace of mind, knowing that when an unexpected life event occurs, you won’t have to worry about the financial impact on yourself and your loved ones.

With the savings plans and programs that Klaviyo offers, you can start saving now for your future. So, you’re prepared, no matter where life takes you.

Your 401(k) plan

Klaviyo’s 401(k) plan, managed by Principal, can help you save the money you need to retire in style.

  • All full-time U.S.-based Klaviyos are immediately eligible to participate (must be 18 or older)
  • If you’re a full-time U.S.-based Klaviyo, you are automatically enrolled to contribute 6% of your paycheck on a pretax basis into the default investment fund, but you can change the amount of your contribution at any time via the Principal portal. In 2022, the maximum amount you can contribute to your account is $20,500 ($27,000 if you’re age 50 or older).
  • Contributions can be made on a pretax or Roth basis

Meet your match

Klaviyo contributes up to 4% of your income into your account each pay period—to receive the full match, you must contribute at least 4% of your eligible pay.

Your contributions and Klaviyo’s match are automatically vested from day one.

Klaviyo’s equity program

All Klaviyos become owners in the company by receiving an equity award when they are hired. Your sign-on equity awards vest over four years—25% vests after your one-year anniversary, and the remainder vests in equal quarterly installments over the next three years. Plus, Klaviyo has an annual equity program that is performance driven, rewarding our top performers every year. Annual equity grants vest quarterly over three years—25% vests in years one and two, and 50% vests in year three. Eligibility and grant sizes for the annual equity program are evaluated each year and may change.

Dependent care flexible spending account (FSA)

You are eligible to participate in a dependent care flexible spending account through HealthEquity to pay for qualified child or elderly care expenses, including day care, before- and after-school care, and qualified caregivers.

  • Contribute pretax dollars through payroll deductions
  • Use the money to pay for qualified child or elderly care expenses
  • Contribute up to $5,000
  • Use it or lose it—estimate your 2023 expenses carefully


401(k) plan



Dependent care flexible spending account (FSA)



Life insurance and AD&D


877-FOR-PRU1 (877-367-7781)



877-FOR-PRU1 (877-367-7781)