Our bigger mission

The Spare Change That Could Train Doctors and Fix Healthcare.

Every card swipe. Rounded up. 137 billion transactions a year. $68.6B. No tax. No mandate. Just the cents left over.

$68.6B generated/yr·$0.50 avg roundup·137B transactions·$257/adult/yr

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If every US card transaction rounded up starting January 1st…

$0.00

generated this year from spare change alone

That's enough to fund 0 doctor-nurse care teams right now

Based on 137B annual US card transactions × $0.50 avg roundup · Source ↗

Three numbers that rewrite the whole conversation.

updated

$779.76

Full annual cost per American adult — fully loaded, including the debt-free education pipeline. Year 1, the most expensive point.

$256.93

Already generated per adult — right now. From round-ups alone. No tax. No mandate. Just the $0.50 average left over from 137 billion swipes.

updated

$43.57/mo

The gap. Per adult. Per month. All that remains after round-ups. Less than a gym membership — for comprehensive care plus zero medical debt for new doctors.

Six steps from your coffee to a healthier country.

Step 1

You buy lunch for $12.43

Your card rounds to $13.00 — $0.57 enters the pool.

Step 2

267 million adults do this every day

137 billion transactions. $68.5 billion per year. Passively.

Step 3

The pool pays for medical school

RallyUp sponsors 13,200+ doctors per year — full tuition, fees, and living costs. Zero debt. In exchange: 60% of clinical hours in community clinics.

Step 4

Debt-free doctors staff care teams

1 doctor + 2 RNs + 1 LPN = 1 care unit. 1,080 patients per year. 10% of hours protected for real work.

Step 5

People get genuinely healthier

Chronic disease caught early. 75% of medical costs are preventable. ER visits drop 39%. The system gets cheaper every year.

Step 6

By year 15, round-ups fund everything

Demand drops 70% as the population gets healthier. The $68.5B pool covers 108% of total system cost. Self-sustaining. Forever.

Doctors shouldn't start $265,000 in debt. So we're changing that.

The average medical school graduate carries $205,000–$265,000in student debt — a structural force steering doctors away from primary care. It's why only 35% of new graduates choose family medicine. RallyUp breaks that cycle.

The current path

4 years medical school: $235,827
Debt at practice start: $205,000–$265,000
Time to pay off: age 41–48
Career pressure: high-volume or specialty

The RallyUp path

Medical school: fully funded ($235,827)
Living expenses: $100,000 covered
Debt at practice start: $0
Obligation: 60% of clinical hours in RallyUp clinics

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What we pay now vs. what this actually costs.

Metric	Current System	RallyUp Model
Annual cost per adult	$8,951	$779.76
Covered by spare change	$0	$256.93
Monthly out-of-pocket	$746/mo	$43.57/mo
Doctor enters practice with	$205–265K debt	$0 debt
Patients per doctor	2,000–2,500	1,080
Non-billable time honored	No	Yes (10%)
Primary care entry rate	~35% of grads	60%+ required
People uninsured	~30 million	0

Source: KFF 2024 · AAMC 2024 · CHG Healthcare 2024 · BLS 2024

Your $0.57 is already changing things.

No minimum to start. No fees to join. Cancel anytime. Members commit to $1,000/yr in round-ups — most reach it through everyday spending.

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