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Discover Thrive Returns on Investment Calculator

By entering a few key workforce metrics, you’ll uncover the hidden costs of presenteeism, absenteeism, turnover, and management time - and see how much your organisation could save with meaningful financial wellbeing support.
Discover ROI Calculator
Number of employees
0
1000
0%
100%
0
8 hours
0
15 days
1
500
£30k
£120k
5%
60%
£5k
£80k
0%
100%
5%
35%
0 month
12 months
5%
50%
Now, it's time to explore ROI.
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Cost of Financial Stress
Affected employees
200
Presenteeism Cost
£560,000
Absenteeism Cost
£140,000
Employees Likely To Leave
72
Recruitment Hiring Cost
£2,160,000
Agency Fee Final
£252,000
Ramp Up Productivity Loss
£630,000
Total Turnover Cost
£3,042,000

Total Annual Cost

£3,902,000
Cost Per Affected Employee
£7,804
Improvement Level
20%
Gross Saving
£780,400
Product Cost
£36,000
Your ROI
ROI at
20%
improvement
2068%
Every £1 invested returns XXX 
Gross Saving
£780,400
Product Cost
£36,000
Want to explore more about Financial Wellbeing ROI? Speak to our team.

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Research Sources & Statistics
This section compiles the trusted research, industry benchmarks, and statistical sources that power every calculation in the Financial Calm ROI model.
2023
PwC Employee Financial Wellness Survey
36% of financially stressed employees are looking for a new job — twice the rate of non-stressed employees (18%)
2023
PwC Employee Financial Wellness Survey
73% of financially stressed employees would be attracted to an employer that cares more about their financial wellbeing
2023
PwC Employee Financial Wellness Survey
56% of financially stressed employees spend 3+ hours/week at work dealing with personal finance issues
2025
Oxford Economics / Stribe UK
Average cost of turnover per employee (earning £25K+) is £30,614 including recruitment, training and lost output
2025
CIPD / Centric HR
Replacing an employee costs 50–200% of annual salary. UK average turnover is 34% across all sectors. New joiners take 6–8 months to reach full productivity
2025
CIPD / Industry Data
Agency recruitment fees typically range 15–25% of base salary. In-house recruiting is significantly less costly
2025
Thrive HR / Management Research
Managers spend an average of 4.2 hours/week dealing with unscheduled absence — picking up tasks, redistributing work, RTW meetings. This is a non-recoverable cost
2025
Mental Health UK / Survey of 2,500 staff
9 out of 10 employees experience high levels of mental stress. 47% of adults overspend at Christmas, contributing to seasonal absence spikes
2025
Pepper Money / Specialist Lending Study
8.4 million working days lost to financial stress; 2M+ workers affected
2025
People Management / Various surveys
40% of UK workers say financial stress impacts their work; 44% of Gen Z distracted
2023
CEBR / Aegon UK
£10.3B annual cost to UK employers; 13% miss avg 4.7 days/year; 25% report presenteeism
2017
PwC Financial Wellbeing Report (UK)
25% of employees affected; avg 3.4 hours/week lost to financial worries (baseline study)
A few things
to note
  • Results are based on UK Net Pay pension arrangements. Not suitable for Relief at Source schemes or Scottish taxpayers.
  • Assumes all employees are in a defined contribution scheme, within annual pension contribution limits.
  • Results use only the data entered, with salary and contributions staying the same across 2025/26. Does not include team members joining or leaving partway through the year.
  • Accuracy may be affected if:
  • Post-sacrifice salary falls below £12,570.
  • Salary exceeds £200,000 (personal allowance tapering).
  • Contributions go above the annual allowance, including carry forward.

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