Resource Center

The business case for emergency savings

For employers, the research is clear, offering your employees an emergency savings program can deliver a substantial economic benefit. Use this calculator and follow the research to learn more about the potential impact for your organization, then contact our team to learn more.

Total employees

Number of employees in your organization.

Annual turnover

Your loss rate of talent in the workforce over the course of a year.

30%

1% 100%

Average salary

Average yearly wages of your employees.

$70,000

$20,000 $300,000

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$40,220 annual benefit to employer

This is based on research surrounding financial stress and its impact on retention and productivity.

Retention improvement

Financially-stressed employees are 2.2 times more likely to seek employment elsewhere Source: Benefits Pro

+ $6,720

Reduction in distractions

Nearly half of workers who are distracted by financial concerns spend three hours or more each week thinking about or dealing with personal financial concerns. Source: WellRight

+ $17,500

Increased productivity

Cash strapped employees are also 5.8 times more likely to miss deadlines and 4.9 times more likely to produce lower quality work. Source: PWC

+ $16,000

Impact for your employees

Total contributions to emergency savings

This is the total contribution to emergency savings that participating employees would make. Based on typical Secure program design.

+ $47,160

Employee return on investment

Thanks to employer matching, employees get a return greater than if they saved in a traditional savings account.

12.3%

Blog

Emergency Savings as an Inclusion Strategy: The Hidden Equity Gap in Workplace Benefits](https://www.securesave.com/blog/emergency-savings-as-an-inclusion-strategy-the-hidden-equity-gap-in-workplace-benefits)

How to Make Saving an Everyday Habit](https://www.securesave.com/blog/how-to-make-saving-an-everyday-habit)

What’s Next for Benefits? 5 Trends Employers Should Prepare for in 2026](https://www.securesave.com/blog/whats-next-for-benefits-5-trends-employers-should-prepare-for-in-2026)

Customer Stories

Maids of Movher](https://www.securesave.com/customer-stories/maids-of-movher)

.png) Grace Health](https://www.securesave.com/customer-stories/grace-health)

Lee & Hayes](https://www.securesave.com/customer-stories/lee-hayes)

Cascade Public Media](https://www.securesave.com/customer-stories/cascade-public-media)

Council of the SEIU CA](https://www.securesave.com/customer-stories/council-of-the-seiu-ca)

Filtec Precise](https://www.securesave.com/customer-stories/filtec-precise)

DemandZEN](https://www.securesave.com/customer-stories/demandzen)

3R Technology](https://www.securesave.com/customer-stories/3r-technology)

Press

4 Ways Gen Z Can Stop Leaning on Mom and Dad for Money in the Next 12 Months](https://www.moneylion.com/trending/money/ways-gen-z-stop-leaning-on-mom-dad-for-money)

More Americans are raiding their emergency savings just to fill up their gas tanks](https://www.marketwatch.com/story/more-americans-are-raiding-their-emergency-savings-just-to-fill-up-their-gas-tanks-44a74e22)

My budget's just broken.' Costs are impacting Americans in 'profound' ways](https://www.usatoday.com/story/money/personalfinance/2026/05/19/high-transportation-costs-iran-war-emergency-savings/90142057007/)

Research

Why Emergency Savings Accounts Unlock Employee Wellbeing & Productivity](https://8532767.fs1.hubspotusercontent-na1.net/hubfs/8532767/Sales%20collateral/Marketing%20Materials/NEW%20SecureSave%20White%20Paper_ESAs%20Unlock%20Employee%20Wellbeing%20&%20Productivity.pdf)

Financial stress, emergency savings and the impact on American workers](https://www.securesave.com/landing/financial-stress-emergency-savings-and-the-impact-on-american-workers)

Emergency Savings and the Impact on American Workers](https://cdn.prod.website-files.com/6036b4e82b35e7e9b3c90a64/68261d892225f1957fdd4d58_Emergency%20Savings%20and%20the%20Impact%20on%20American%20Workers%20-%20SecureSave.pdf)

Web Events & Videos

From Day One: Improving Financial Wellness for your Employees at a Modest Cost](https://www.securesave.com/webinars-videos/improving-financial-wellness-for-your-employees-at-a-modest-cost)

SecureSave Program Design](https://www.securesave.com/webinars-videos/securesave-program-design)

HR Brew: The ROI of Emergency Savings with Suze Orman](https://www.securesave.com/webinars-videos/hr-brew-the-roi-of-emergency-savings-with-suze-orman)