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Research Report

Financial Wellbeing in the Workplace

Empowering employees to move from surviving to thriving.

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Download the Financial Wellbeing in the Workplace Research Report

Why financial wellbeing matters now

Financial stress is not a peripheral issue for the workforce. It is shaping how employees experience work day-to-day, influencing confidence, decision making and the ability to perform consistently.

This research report, developed in collaboration with the Centre for Personal Financial Wellbeing at Aston University, examines what is really happening inside today’s workforce. It explores how flexible pay and wider financial wellbeing tools are being used in practice, and what their impact reveals about employees’ ability to manage short term pressures, regain a sense of control and begin moving towards greater stability over time.

Grounded in insights on real employee experiences, the report offers employers a clearer evidence base for understanding financial wellbeing not as a benefit in isolation, but as a fundamental part of how people live, work and contribute.

What is really happening inside today’s workforce?

52%

cite the cost of living as their biggest source of financial pressure, while 23% struggle most with unexpected expenses.

70%

say they are struggling to keep up or are falling behind with bills and commitments.

85%

of people are withdrawing earned income and 80% are tracking shifts and earnings.

44%

of people are using financial education tools, health checkups or benefits calculators.

Inside the research

This report draws on a large scale survey of 1,242 employees across the UK, conducted in February 2026, focused on users of workplace financial wellbeing tools including earned wage access and automated saving.

Respondents reflect a predominantly low to middle income workforce, with around three quarters earning between £10,000 and £39,999 per year, and 65 percent living in households with an income below £49,000.

The findings provide a detailed picture of financial pressure, resilience and behaviour, revealing how pay timing, visibility and flexibility can act as levers for improved financial wellbeing.

Download the Financial Wellbeing in the Workplace Research Report to understand how giving employees more control over the timing of their pay can reduce stress, improve financial confidence and support better outcomes at work.

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How to use the insights

After reading this report, you will be equipped to:

Understand the nature of financial pressure

using robust evidence to move beyond assumptions and gain clarity on where employees are struggling most.

See how financial stress shows up at work

including its influence on confidence, engagement and the ability of employees to contribute consistently and productively.

Identify where existing financial wellbeing provision may be falling short

particularly in addressing short term cash flow challenges, resilience building and access to appropriate support.

Make more confident, evidence informed decisions about financial wellbeing initiatives

ensuring the tools you offer genuinely support employees in moving from day to day survival towards greater stability and security.

Ready to turn insights into action?

Explore the evidence behind financial wellbeing at work and understand what genuinely supports employees under pressure.

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