ESA Business Impact Calculator

What does employee financial stress actually cost your organization?

Model your current productivity loss from financial stress alongside the ROI of solving it — instantly, with your real numbers.

⚠️
Current annual cost of financial stress
$950,000
At 500 employees, unaddressed financial stress costs your organization an estimated $950,000 per year in lost productivity — before a single employee quits.
Morgan Stanley 2025 · $1,900/employee/year in lost productivity from financial stress

Design your retention strategy

Adjust the inputs to match your company

employees
105,00010,00020,000+

Lifetime incentive budget per enrolled employee — paid out once per person. 50% on enrollment, 50% on reaching $1,000 savings. A separate WealthNest platform fee of $5/month applies to all enrolled employees.

Industry benchmark (Vestwell 2024 · EBRI 2024). Actual results vary by workforce and program design.

Incentive structure (lifetime per employee)
Enrollment bonus (50%) — split deposit + literacy module$250 / enrolled
$1,000 balance reward (50%)$250 / achiever
Projected participation
Adoption rate50%
Milestone completion rate60%
Employees enrolled250
Milestone achievers150
WealthNest platform fee (annual, per enrolled)
Per enrolled employee / month$5.00
Annual platform cost (enrolled)$15,000

Year 1 Impact Estimate

500 employees · $500 lifetime/employee
Employees Enrolled25050% adoption rate↑ of 500 total
Total Employer Cost$115,000lifetime incentives + annual platform fee$460 per enrolled employee
Est. Turnover Savings$580,000Based on 4% turnover reductionRetention benefit
Program ROI404%net benefit +$465,000net savings ÷ total cost
⚠️ At this company size and budget level, the WealthNest platform fee ($5/employee/month) exceeds the estimated turnover savings. Consider upgrading to the Standard or Premium plan, or increasing your employee count — larger teams see significantly better returns.
Employer Cost Breakdown
Enrollment bonuses  $62,500
$1K balance rewards  $37,500
Platform fee (annual)  $15,000

Enrollment bonus includes: split deposit setup + financial literacy module completion. $1K balance reward paid on reaching target savings.

Cost vs. Savings Comparison
Total employer cost (incentives + platform)$115,000
Estimated turnover savings$580,000
📈 Estimated net benefit to your organization+$465,000
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Simplified Two-Part Incentive Structure

The lifetime incentive budget per enrolled employee is split equally: 50% Enrollment Bonus — awarded when an employee enrolls, sets up a split deposit to their savings account, and completes a financial literacy module. 50% $1,000 Balance Reward — awarded once when the employee reaches a $1,000 emergency savings balance. Each incentive is paid once per employee, per lifetime.

Adoption & Completion Rates

Adoption rates (30% Starter / 50% Standard / 65% Premium) and $1K balance completion rates (40% / 60% / 80%) are based on Vestwell 2024 and BlackRock/Commonwealth industry benchmarks. Higher incentive budgets drive meaningfully higher enrollment and savings goal completion.

Turnover Savings & Platform Fee

Turnover reduction estimated at 3–5% based on EBRI 2024 and Morgan Stanley 2025 research linking emergency savings access to employee retention. Replacement cost = 50% of $58,000 US median salary = $29,000 (BLS 2024). The WealthNest platform fee of $5/enrolled employee/month is charged annually and covers payroll integration, account management, and access to the financial wellness program.

All figures are estimates for planning purposes only. Actual outcomes depend on workforce demographics, communication strategy, plan design, and individual employee circumstances. TFCrabtree LLC (dba WealthNest Finance) does not provide financial, legal, investment, or tax advice. Turnover savings estimates are based on third-party research and are not guaranteed results.

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The model above is illustrative. A 30-minute consultation with a WealthNest specialist walks through your specific workforce, existing benefits, and what an out-of-plan ESA (or SECURE 2.0 PLESA) would actually cost and produce for your company.

Book a consultation →Read the employer guide first
Want the deeper context first? ESAs Explained covers out-of-plan vs in-plan PLESA, SECURE 2.0, and the case studies behind the model.

This page and all WealthNest content are for informational purposes only and do not constitute financial, legal, investment, or tax advice. Statistics are drawn from third-party sources as cited; WealthNest Finance makes no representation as to their ongoing accuracy. SECURE Act 2.0 references reflect provisions current as of January 2026 and are not legal or regulatory compliance advice — consult qualified counsel before implementation. ROI figures are illustrative models, not guarantees of outcomes. TFCrabtree LLC (dba WealthNest Finance) is not affiliated with any government agency or regulatory body. Savings and deposit services described in WealthNest's forthcoming product will be provided through a regulated partner institution; details will be disclosed prior to launch. WealthNest Finance is a pre-launch company; no financial product is currently available for enrollment.