92%
of employees experienced financial stress in the past year
Financial Fitness at Work
How money stress impacts skills, performance, and growth and what employers can do about it.
Why financial wellbeing matters now
Our latest research reveals how money worries impact the ways employees show up at work and explores the practical tools and education that can ease financial stress and help employees feel confident, supported, and engaged in the year ahead.
89%
say it directly affects their concentration, confidence, energy and ambition at work
78%
of employees report that they contribute more when they feel confident about their financial situation
What’s inside
Drawing on insights from psychologists, work behaviour researchers, and financial wellbeing experts, this report examines how money stress affects employees and organisations - and practical steps to address it.
Benchmark your workforce
See how employees’ assess their financial stress, and what it’s costing in focus and productivity.
Protect skills & transformation
Learn how financial stress is stalling learning (especially for younger workers) and what support helps.
Turn payroll into a wellbeing lever
Discover practical, payroll-connected ways to improve financial confidence without adding another standalone app.
Close the benefits awareness gap
Find out why employees don’t know what’s available to them and the simple fixes that increase uptake.
Equip managers to make a difference
Get clear insights for managers and leaders to talk about money stress confidently and supportively in 1:1s.
Move from insight to action
How AI-enabled tools can scale personalised, trusted financial support without increasing workload.
Who should read it
HR & People Teams
Reduce attrition and improve engagement by tackling the root cause of employee stress.
Reward & Benefits Teams
Achieve ROI from financial wellbeing programmes employees use and value.
Finance Leaders
Understand the financial impact of money stress on productivity, absence and turnover.
Wellbeing & Culture Sponsors
Create a workforce that feels secure, resilient and able to perform at their best.