The ROI of Employee Wellbeing

When your team thrives, your business grows. Model the productivity gains of employee financial wellbeing.

Financial Wellbeing ROI Calculator

Estimate whether recovered work hours can justify the investment. Simple assumptions. Visible formulas. Conservative logic.

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01

Problem and cost

What exactly is the business problem we are solving?

Employees have financial stress, which can reduce productivity and create lost work hours.

Total employees ?
  • Employee group included in the estimate.
  • Used to calculate affected employees and active employees.
 500
Affected by financial stress ?
  • Estimated share of employees affected by money stress.
  • PwC’s 2026 survey found 59% of employees are financially stressed.
  • This creates the starting problem size.
 57%
Lost hours / affected employee / week ?
  • Estimated work time lost each week from financial stress.
  • PwC reports financially stressed employees are more likely to spend 3+ work hours per week dealing with financial matters.
  • Used to calculate cost of the problem.
 2.5
Average hourly rate ?
  • Estimated hourly value of employee time.
  • Use wage, loaded payroll cost, or another internal estimate.
  • Used in both cost and value calculations.
 $65

Sub sums

Affected employees ?
  • Number of employees likely affected by financial stress.
  • Formula: total employees × affected percentage.
 285
Weekly cost of the problem ?
  • Estimated weekly cost of lost work time.
  • Formula: affected employees × lost hours per week × hourly rate.
 $46,313
Annual cost of the problem ?
  • Estimated annual cost of the problem.
  • Formula: weekly cost × 52.
 $2,408,250

Cost = affected employees × lost hours × hourly rate

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02

Value created and total investment

How much could we realistically improve? What’s the value created?

Estimate the value of recovered work hours from employees who actively use the program.

Employees who actively use the program ?
  • Share of employees expected to use the program enough for it to matter.
  • Formula: total employees × active user percentage.
  • Usage is required before value can be created.
 40%
Recovered hours / active employee / week ?
  • Estimated work time recovered each week by active users.
  • Tied to better financial control, lower stress, and improved focus.
  • Used to calculate value created.
 2.0
Program investment / year ?
  • Annual investment in the financial wellbeing program.
  • Used to compare value created against cost.
  • Internal HR time is not included in this simple version.
 $12,000

Sub sums

Active employees ?
  • Number of employees expected to actively use the program.
  • Formula: total employees × active user percentage.
 200
Weekly value created ?
  • Estimated weekly value of recovered work time.
  • Formula: active employees × recovered hours per week × hourly rate.
 $26,000
Annual value created ?
  • Estimated annual value created by recovered work time.
  • Formula: weekly value created × 52.
 $1,352,000
Total investment ?
  • Annual program investment.
  • Used as the cost side of the ROI calculation.
 $12,000

Value created = active employees × recovered hours × hourly rate

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03

Net value and ROI

Employees
500
×
Active users
40%
=
Active employees
200
Annual cost of the problem
$2.4M
Problem and cost
Annual value created
$1.4M
Value created
Program investment
$12k
Program investment
Net value
$1.3M
Value created - program investment
ROI
11,167%
Net value ÷ program investment
Formula used
ROI = (value created - program investment) ÷ program investment

Sources used for benchmark logic

This calculator is a simple planning tool. It does not prove exact savings. It helps estimate whether a conservative value case is worth exploring.
The Difference

Why this works when others don't.

Traditional Wellness (Fitness Apps, Step Challenges, Meditation) Wellhana The Upgrade
The Focus Manage the Symptom Helps employees "sweat out" or "breathe through" their anxiety. Good for temporary relief. ✓ Remove the Source Eliminates the #1 cause of the anxiety (money stress) so they don't need to just "cope."
Adoption "Nice to have" Often ignored because it feels like "extra homework" or corporate fluff. ✓ "Need to have" High engagement because it solves an urgent, daily pain point they are desperate to fix.
The Result Temporary Feeling The endorphin boost wears off an hour after the class or session ends. ✓ Permanent Assets The value compounds. They build permanent safety nets and reduce debt.
What is Wellhana and why do 100,000+ people trust it?

The modern standard for your employee wellbeing package.

You invest heavily in payroll. We give your team a simple plan to use that money to build a safe, stable, and happy life.

Trusted by 100,000+ Employees at Companies Like
Denys S.
★★★★★

"A very convenient and easy-to-understand table for managing my personal budget. Everything is at your fingertips."

Aimee
★★★★★

"The product itself is so easy to use and beautifully organized. It’s making budgeting less stressful."

Kate
★★★★★

"This is exactly what I needed. This is the only one that has been worth it."

Sara Merriman
★★★★★

"Easy to use, very insightful and any questions I have had, I've had very quick replies."

Brittany A.
★★★★★

"Clean and organized very effectively. It auto-updates and the program covers everything."

Ruth
★★★★★

"Tried to make one myself, but no. This one is the one!"

💡 Our system has been tested by over 100,000 people. We bring that proven ease of use to your team.
Where does Wellhana fit in the total compensation package?
Where we fit in

Strategic placement within the Modern Total Rewards stack.

Pillar 1: Comp

Salary & Equity

  • Base Salary
  • Annual Bonuses
  • Stock Options / RSU
  • Commission
Pillar 2: Benefits

Core Protection

  • Health Insurance
  • Dental & Vision
  • 401k Administration
  • PTO & Leave
Pillar 3: Wellbeing

Employee Care

  • Financial (Wellhana)
  • Other: Physical (Gyms...)
  • Other: Mental (Apps...)
How does winning with money help your team do better work?
The Definition

What does "winning with money" look like?

  • A system to organize every dollar. ?We provide tools that help employees see exactly where their money goes, turning a complex mess into a simple, automated spending plan.
  • Personal savings that grow monthly. ?Our system helps employees build a habit of setting money aside first, ensuring their hard-earned salary results in long-term wealth.
  • A cash cushion for life's surprises. ?We teach employees how to build a 3-6 month safety fund so that personal emergencies never become workplace distractions.
The Logic

Why does a clear head help at work?

  • Mental space is no longer wasted. ?Anxiety about debt uses the same "processing power" as high-level work. We reclaim that brainpower for your business.
  • Mental noise is replaced by focus. ?Employees spend hours "looping" on financial stress during the work day. Wellhana provides the system to shut that noise off.
  • Minds are free to solve problems. ?When the "home math" is on autopilot, employees can apply their full creative and technical energy to their professional tasks.
The Outcome

What happens when your team wins?

  • ✅ Deep Focus: They finish tasks faster because their mind is quiet. ?A quiet mind reaches "Flow State" faster, leading to higher quality work in less time.
  • ✅ Great Ideas: They have the mental energy to think big for you. ?Innovation requires mental surplus. We provide that by removing the heavy weight of money stress.
  • ✅ Positive Energy: They arrive ready to win for the brand. ?Personal security leads to professional confidence. They show up as the best version of themselves.
What is the cost of distraction?
The Problem

Annual Salary Leak

3.0 Hours
With 100 employees losing 3 hours a week, you pay for 15,000 unproductive hours a year.
Total Annual Leak
$487,500

≈ $40,625 per month

Show Solution
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What exactly does the Wellhana program offer?
The Offering

Helping Great Salaries Go Further.

01 The Learning Hub

A Safe Place to Learn

A quiet, distraction-free space. Employees follow a simple plan to learn how to organize their money perfectly.

02
The Dashboards

Smart Money Tools ?Automating money tasks can save up to 5 hours of work focus per employee, per week.

Easy tools that handle the chores. We make it simple to grow savings on autopilot.

03 Real People to Help
Expert Support

Live Support Sessions ?PwC: 90% of employees value access to a real human expert as a key part of financial wellbeing.

Direct access to our experts. We answer the tricky questions so your team stays confident and productive.

How does Wellhana ensure employees actually use the benefit?
Engagement Strategy

From "Access" to Action.

Option A: Access Only
✉️ Invite Sent
3-5%
Adoption
Option B: The Wellhana Program
💻
Hub
Private Setup
🚀
Launch
Kickoff Event
1
Plan
Live Session
2
Action
Live Session
3
Results
Live Session
Success Goal
40% ?Structured program rollouts can achieve 10x higher engagement than "self-serve" benefits. (Source: Industry averages for managed wellbeing services)
💡 The Reality: A benefit only provides ROI if people engage with it. We don't just provide software; we manage the momentum.
Supporting Materials
The Workflow: Education + Privacy First
The Workflow

Education is supported. Data is private.

A decoupled architecture that ensures total privacy. We teach the strategy, but they apply it in their own secure environment.

▶️
1. Watch
Employees stream the video masterclass.
→
⬇️
2. Download
They save the OS tools to their personal drive.
→
💬
3. Connect
They join live strategy sessions & Q&A.
🔒 Private file (optional)
?
Each employee downloads a private file that they work on. No data is shared with us.
IT Architecture: Secure & Private Infrastructure
IT Security Architecture

Simplified Infrastructure. Zero Data Risk.

Our delivery model separates the education from the execution.

Core Infrastructure

The Wellhana Ecosystem

Standard cloud-based delivery for content and communication.

☁️

Platform

Secure Video Streaming

🎥

Zoom/Teams

Live Sessions

No connection
Optional
🔒

Private Workbook

Employees may choose to download a personal Excel or Google Sheets file to work on locally.

(Optional & Private)
The Philosophy: The Strategy Shift
The Strategy Shift

Don't just treat the smoke.

Put out the fire.

🍃
Symptom Relief
Reactive Approach
FocusManaging existing stress
CategoryOld School Wellbeing
ToolsMindfulness Apps, Yoga, EAP
🛡️
Tackle Root Cause
Proactive Approach
FocusRemoving the #1 Stressor
CategoryThe Modern Standard
ToolsWellhana OS
💡 Insight: You can't meditate your way into better financials.
Proven Impact: Feedback from 100,000+ Users
★★★★★

Trusted by 100,000+ People. ?Independent user studies show that 90% of employees value access to human support and clear tools above all other financial benefits. (Source: MetLife)

Real feedback from people finally feeling in control of their money.

Kate★★★★★
"This is exactly what I needed in order to properly and aesthetically track income and expenses. This is the only one that has been worth it."
Sara Merriman★★★★★
"Easy to use, very insightful and any questions I have had, I've had very quick replies."
Cocofusia★★★★★
"This tool is so useful. I highly recommend as it has significantly helped me to keep track of my finances."
Symone★★★★★
"I strongly recommend this product if you are looking to get your finances in order, and gain discipline with your money."
Mary Beth★★★★★
"The 'planned' versus 'actual' has really helped me become better at budgeting. Thank you!"
Ruth★★★★★
"I've been looking for such program that fits my life for a few years. Tried to make one myself, but no. This one is the one!"
Aimee★★★★★
"The product itself is so easy to use and beautifully organized. It’s making budgeting less stressful."
Denys S.★★★★★
"A very convenient and easy-to-understand table for managing my personal budget. Everything is at your fingertips."
Brittany A.★★★★★
"Clean and organized very effectively. It auto-updates and the program covers everything."
💡 The Reality: Our system has been tested by over 100,000 people. We bring that proven ease of use to your team.
How does winning with money help your team do better work?
The Definition

Winning with money means:

  • A system to organize every dollar perfectly. ?Wellhana provides tools that automate bill tracking and spending categories so employees never have to worry about missing a payment.
  • Personal savings that grow every single month. ?Our simple plan helps employees set aside money for the future automatically, turning their current salary into a wealth-building engine.
  • A safety cushion for life's little surprises. ?We teach employees how to build a 3-6 month emergency fund, ensuring that a flat tire or broken appliance doesn't become a mental crisis at work.
The Logic

Clearing out mental clutter.

  • Brain space is no longer wasted on money math. ?Worrying about debt or bills uses the same mental energy as solving complex business problems. We reclaim that energy.
  • Heavy mental noise is replaced by quiet focus. ?Employees lose hours of focus every week just "looping" on financial stress. Wellhana stops the loop.
  • Their minds are free to solve problems for you. ?When a system handles the "home math" on autopilot, the employee's full creative potential is available for the business.
The Result

Better Work

  • ✅ Deep Focus: They finish tasks faster because their mind is clear. ?Studies show that financially secure employees are 34% more engaged and 2.2x more likely to hit their goals.
  • ✅ Great Ideas: They have the energy to think big for the company. ?Innovation requires mental surplus. We provide that surplus by removing the heavy weight of financial anxiety.
  • ✅ Positive Energy: They arrive ready to win for the team. ?A successful life at home directly creates a high-performance culture at the office.
How does winning with money help your team do better work?
Buying Focus

Unlocking the Brain Power You Pay For

How Performance Works
READY TO WIN Showing up at their best
CLEAR FOCUS Ready to solve problems
MONEY SAFETY The foundation for everything
🧠
The Goal

A Clear Head for Work ?PwC: Money stress is the #1 cause of distraction at work.

When employees aren't worried about bills, they can use their full "thinking power" to help your business grow.

⏱️
The Secret

No Money Chores at Work ?Secure employees spend 5 fewer hours per week on personal chores during work.

By putting money management on autopilot, your team gains back hours of deep focus every single week.

📈
The Payoff

Winning as a Team ?Performance increases when employees feel their foundational safety is supported.

You provide the pay; we provide the plan. This ensures your team arrives happy and ready to perform.