Satisfied finbalanced user


Financial well-being as an employee benefit

finbalanced increases the financial well-being of your employees through problem-specific knowledge, practical tools, and direct coaching from independent experts.

Because financially healthy employees are more satisfied, less stressed, and have fewer health issues.

Why finbalanced?

Statistically, 46% of your employees have money worries

2.1h lost per week due to money worries

6.4x more negative impact on work quality

2.3x more likely to seek a new job

3.5 additional sick days per year

My company has employees

464 of them regularly have money worries

103 of them are financially unhealthy

Which results in 13.052 hours of lost work time due to productivity loss and more sick days.

Graphical representation of the cost factor money worries

As a result, your company loses approximately 824.232 € annually

Taking into account that financially stressed employees are more likely to change jobs, resulting in additional costs (knowledge loss, hiring, onboarding, increased workload, etc.).

Link to our sources

How does finbalanced work?

Our solution packages for your employees

Access to the finbalanced online platform is provided to your employees as a corporate benefit or as part of occupational health promotion measures. In addition to the basic platform, which offers numerous valuable self-help resources, our coaching module provides confidential one-on-one conversations with experienced coaches to address individual financial questions.

Basic Package

finbalanced Platform

Financial Score - A better and realistic overview of the financial situation is the basis for financial well-being.

Financial Knowledge - By providing more financial knowledge, we empower your employees to take active control of their finances.

Tools - We provide your employees with tools to actively address and improve their financial situation.

Extra Package

Financial Coaching

Individual Coaching - Independent and experienced financial coaches help your employees gain more control over their finances and increase their financial well-being through direct interaction.

finbalanced leads to


financial fitness

general satisfaction

financial security

employer attractiveness


financial stress

sick days


negative background noise

Privacy and security

Safety and Data Protection

finbalanced adheres to the strictest guidelines of the financial industry. Therefore, your employees' data is encrypted and stored securely in a data center in Germany.

Finances are something very personal, therefore we guarantee that personal data of your employees will never be disclosed to third parties and also not to you.

finbalanced like yoga for finance

Who we are?

Our vision

We want to help millions of people become financially healthier and thereby enable them to make all other areas of their lives sustainable and positive as well.

What do we do?

We help your employees find out where they stand with their financial well-being and how they can achieve a balance between saving, spending, planning and financing.

How does it benefit your business?

We support your employees in achieving their personal goals, building financial knowledge and reducing stress. This increases the productivity, health and satisfaction of your employees and reduces sick days, fluctuation and inertia (for more information, see our current study).

Our latest finbalanced study

..on the financial well-being of employees

Get the most important facts from us about how the financial well-being of your employees affects your business.

Download Study »

We show you how you can promote the financial health of your employees.

Get infos now »

Our sources

#1 Effects of money worries on your employees

The figures listed (proportion of MAs with money worries; loss of productivity; impact on quality of work; higher turnover; additional sick days) come from our finbalanced study with 985 respondents in the DACH region. The results reflect findings from comparable studies in other countries.

Link to the study

#2 Cost of financial stress - hourly rate

To calculate the costs for employers, the average total costs per hour worked for employers in Austria in 2020, according to Statistics Austria, of €36.52 and 1,992 hours worked per year were used.

Source: Statistik Austria

#3 Cost of financial stress - attrition costs

According to Deloitte's 2019 employee turnover study, the average cost per employee to be replaced ranges from €13,705 to €17,159, depending on the size of the company.

Source: Deloitte

i>#4 Measuring financial well-being

In our finbalanced study as well as on our platform, we use the FinHealth Score®, a scientifically developed metric from the American non-profit organization Financial Health Network.

Source: Financial Health Network

#5 Why Financial Well-Being Pays Off for Employers

The article from EY shows why financial wellness is worthwhile for employers and why it is about more than the return-on-investment factor of 3.

Source: EY

#6 General background on financial health

A good introduction to the topic of financial health, including its meaning and definition, is provided in a report by the UNSGSA (United Nations Secretary-General's Special Advocate for Inclusive Finance for Development).

Source: UNSGSA

#7 PwC-Umfrage zum finanziellen Wohlbefinden der Mitarbeiter 2021

The current PwC survey, which is already in its tenth year, also shows the effects of the Covid 19 pandemic. 63% of the employees surveyed said that their financial stress had increased since the start of the pandemic.

Study: PwC

#8 TFI Consumer Research Report 2021 - Financial Health in Europe

The Think Forward Initiative's recent 2021 Survey, which polled 8,000 Europeans in eight countries about their financial situation, provides very interesting insights into financial health, including recent reference to the Covid-19 pandemic.

Study: TFI

#9 Research: impact of financial health on overall health

The 2020 study shows that financial health, along with physical and mental health, are among the key social determinants of health.

Source: US National Library of Medicine