2025 Financial Wellness Impact Report

The financial health of the modern workforce is under strain.

To be an hourly or frontline worker in today’s economy means juggling expenses, forgoing luxury, and navigating stress. In no uncertain terms, millions of today’s workers are struggling to get ahead.

Despite working full-time, many are fighting just to cover basic expenses between paychecks. And this stress isn’t isolated to the employee. It manifests at work through missed shifts, distraction, and turnover.

We asked thousands of Tapcheck users to tell us about their financial lives and how on-demand pay is helping them take control.

Key findings:

  • 78% felt financial stress between pay periods
  • 85% noted they have expenses that can't wait for their next check
  • 34% currently can't make ends meet with their current incomes

Get our 2025 report on financial wellness for more insights and strategic initiatives employers can use to help their staff.

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