Employer ROI Calculator

September 03, 2026 Financial Wellness Benefit ROI Calculator | Financial Finesse
ROI Calculator | 2026
Financial Wellness Benefits

Employer ROI Calculator

Estimate the potential annual cost savings of a financial wellness benefit across seven cost categories, based on your organization’s size, income profile, and workforce characteristics.

Society of Actuaries
First Prize SOA Call for Essays
Financial Wellness
Think Tank™
01 Your Organization

Enter your organization’s data below. All figures are used only in your browser to calculate an estimate and are not transmitted or stored anywhere.

Enter either an annual salary or an hourly rate, and select which one applies.
Share of your workforce approaching retirement age.
Defaults to 11.4%, estimated per the source model’s own method (40 ÷ 3.5 years BLS median private-sector employee tenure). Replace with your organization’s actual rate if known.
Includes EAP counseling, therapy or teletherapy programs, and other employer-sponsored mental health support. See methodology below.
02 Estimated Annual Savings
Total Estimated Annual ROI
$0
Illustrative projection based on the inputs provided and the improvement assumptions described in Section 3.
These figures are illustrative projections modeled from third-party research and Financial Finesse program data. Actual results depend on program design, employee engagement, and organizational context. They are not a guarantee of savings.
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03 Sources & Methodology ▾

This calculator models seven cost-saving categories associated with financial wellness benefits: wage garnishment processing, FSA/HSA administration, absenteeism, healthcare cost trend, delayed retirement, turnover, and mental health-related costs. Garnishment, FSA/HSA, and healthcare savings scale with employee count using fixed per-employee benchmarks; the remaining categories also incorporate the income, retirement, quit rate, and mental health usage figures provided above.

How we define “mental health-related costs”
In this calculator, mental health-related costs refer specifically to lost productivity and missed workdays linked to unaddressed stress, anxiety, depression, and other psychological distress. The $5,000-per-employee benchmark comes from a national study of the general working population, not Financial Finesse client data.

Why this doesn’t double-count savings: Healthcare spending and turnover costs linked to mental health are already captured in the Healthcare Cost Trend and Turnover categories above, using separate benchmarks. This category is limited to the lost-workday/productivity impact only, so it does not re-count savings claimed elsewhere in the model.

Because most employers can’t measure how many employees are experiencing psychological distress, this calculator uses utilization of mental health benefits (EAP counseling, therapy or teletherapy programs, mental health apps, etc.) as a practical stand-in for that population. Employees who use these benefits are a subset of everyone who could be struggling, so this approach is intentionally conservative — it is more likely to understate potential savings than overstate them.

1.Delayed retirement cost basis. Financial Finesse Think Tank internal analysis.Proprietary Research
2.Turnover cost benchmark. “More Than You Think: The Cost of Employee Turnover,” GrowthForce.
3.Mental health cost benchmark. National Safety Council and NORC at the University of Chicago, “Mental Health Cost Calculator” (2021), based on 2015–2018 National Survey on Drug Use and Health data; as reported in “Mental distress costs employers $5,000 per worker each year,” Business Insurance.
4.Wage garnishment, FSA/HSA, and healthcare cost trend figures are internal Financial Finesse Think Tank estimates. No external source is cited for these three categories in the underlying model.
5.Default annual turnover rate (11.4%) is estimated as 40 ÷ median private-sector employee tenure, per the source model’s own guidance, using U.S. Bureau of Labor Statistics Employee Tenure data (3.5 years, January 2024, the most recent available release).
6.Mental health definition and workplace context. Center for Workplace Mental Health, American Psychiatric Association Foundation.
7.This calculator is built on the model presented in Gregory Ward, “Calculating ROI: Measuring the Benefits of Workplace Financial Wellness,” which won First Prize among the essays submitted to the Society of Actuaries’ Call for Essays.
Financial Wellness Think Tank™ · financialfinesse.com