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Our latest research explores how financial pressure shows up at work and how flexible pay and wellbeing tools support employees in building stability.
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Financial Fitness at Work

The real impact of financial stress

New research from Zellis reveals how money worries are affecting focus, engagement and retention, and what employers can do to respond.

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Download the Financial Fitness at Work Report

What the research reveals

Based on a survey of 2,500 employees across the UK and Ireland, coupled with expert insight and commentary, this report is for anyone responsible for workforce performance, employee engagement, payroll, benefits and more. It reflects what employees are experiencing right now and provides practical guidance for HR and finance teams seeking a more stable and resilient workforce.

Inside the report, you’ll discover:

  • What’s driving financial stress across today’s workforce
  • How it connects to performance, engagement and retention
  • Where employer support is falling short
  • What employees actually want from financial wellbeing programmes
  • What more effective organisations are doing differently

This is practical insight you can use to shape policy, benefits and strategy.

What is really happening inside today’s workforce?

This isn’t just a wellbeing issue, it’s a performance and retention issue.

92%

Most employees experienced financial stress in the past year

89%

of employees say financial stress directly affects their concentration, confidence, energy and ambition

78%

of employees report that they contribute more when they feel confident about their financial situation

Only 8%

Just 1 in 12 people felt no financial worry at all

Why financial wellbeing matters to organisations

When people are worried about money, it changes how they think, how they behave and how they show up at work.

Financial stress influences:

  • Employee focus and productivity
  • Workforce engagement and morale
  • Absence and burnout
  • Whether people stay or leave

The Financial Fitness at Work Report gives you a clear, evidence-based view of what this means for your workforce, and how employers can respond.

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How to use these insights

By the time you finish this report, you’ll be able to:

  • Understand the true scale of financial stress in your organisation

  • See how it impacts productivity and engagement

  • Identify gaps in your current approach

  • Make more confident decisions about financial wellbeing support

    • Ready to turn insights into action?

    Shape policy, benefits and strategy with new research from Zellis.

    Get the report
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