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What is the Financial Fitness Score?

We hear a lot about the value in keeping fit and healthy, but it can be tricky for people to understand how to keep their money in shape.


The Employer’s Guide to Financial Wellbeing 2018-19 revealed how money worries are the number one cause of stress for the UK workforce. As part of the research we developed a Financial Fitness Score based on the answers to questions about their spend, save and borrow habits.


The Financial Fitness Score helps individuals to understand their financial situation relative to others and can give an idea of how they could improve it. In turn, employers can use the score as a tool to measure their staff’s financial wellbeing. The average score of their workforce provides employers with a benchmark, and a measurable KPI for future improvements in employee financial wellbeing.


How the Financial Fitness Score works

The higher the Financial Fitness Score, the greater the financial health. 82% of those scoring 1 worry about their finances, whilst only 8% of those scoring 5 worry about theirs.


  • Score 1: Regularly run out of money before payday, likely to resort to payday loans and high-interest credit cards.
  • Score 2: Not enough money to spend on treats (like nights out, clothes, and holidays), have less than one week’s wages in savings, and somewhat rely on paydays loans and other alternatives.
  • Score 3: Limited buffer, with less than one month’s savings in the bank and difficulty dealing with life’s unexpected expenses (car repairs, boiler breakdown etc.), as well as relying on credit cards and loans in exceptional events.
  • Score 4: Have enough savings to cope with unexpected expenses and plan to achieve long-term financial goals. More than two months’ wages in savings, likely to be paying credit card payments in full.
  • Score 5: Finances are no longer a constraint on living the life they want.


What the scores mean about financial wellbeing in your business

The average score across the whole UK is 3.1. Those who have a Financial Fitness Score of 1-3 are far more likely to be stressed, at more likely to be regularly losing sleep, to be distracted at work, and also more likely to leave their job.


If an individual transforms their Financial Fitness Score it can reduce stress, improve mental health and increase productivity. This is clearly great for the employee but also has positive implications for the organisation they work for.


As an employer, you can use the average Financial Fitness Score of your employees to clearly communicate the value of tackling financial wellbeing head-on, and track the impact of your interventions.


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