Your retirement money has power.
Through it, you own slices of thousands of companies, and some release far more carbon than others. You can use that power to do less harm to the climate. See what your money funds today and how a few swaps could shrink it. It takes about four minutes.
Enter your work email and tick the box to begin.
On a computer? Use the desktop version.
What can one person do for the climate in a year?
Tap the one you think has the biggest positive impact on the climate.
Why it matters: carbon stays in the air for hundreds of years and keeps warming the planet, which brings more extreme heat, floods and wildfires. What you emit adds to it directly. What your money funds pays for more of it.
All figures are tonnes of CO₂ per year. Home electricity and cars are US EPA averages (Aug 2026); the flight is about 6,900 miles round trip at the EPA long-haul factor per passenger (2025), without contrail effects; AI at about 2 g a complex prompt, 20 prompts a day. The retirement figure is the most a $10,000 example account (the typical mix of three funds) could cut by switching each fund to the lowest-carbon fund of the same kind in this tool.
What's in your retirement account?
Tap the kinds of funds you hold. Not sure? Choose the typical mix.
A ready-made mix of thousands of companies and bonds that shifts toward safer holdings as you near retirement. Convenient — but you never chose the companies inside, and neither did your employer. That's why most people have never looked at what their money is doing.
The arithmetic is fixed code applied to published data, so no AI model decides your footprint. The software was built with AI assistance and checked by Investature against the source data.
Swap to the same kind of fund, with less carbon emitted and less climate risk to the planet.
There is one card for each fund you hold. Nothing moves unless you make the changes on your plan’s website.
Not necessarily. Past performance never predicts future returns, for any fund. What you can check is whether a lower-carbon fund of the same kind has kept pace on fees and returns — this card shows exactly that, from Morningstar, or Yahoo Finance where Morningstar has no figure.
We only suggest funds with enough data to trust the estimate, and skip any that read as almost zero, because that usually means missing data. This is not investment advice.
Your result
How that compares
These are filters, not recommendations. Past performance never predicts future returns. This is not investment advice.
How was it?
Thank you.
You just helped us build toward something we care about: financial wellness, and money that does less harm, for everyone.
A few minutes of your attention makes the next version better for the person after you.
There's a deeper version on a computer — examine over 2,000 example funds, compare a whole lineup, and go further than a few minutes allows.