Product

Everything your employees need. In one report.

A personalized financial wellness report — generated in under 10 minutes, private to the employee, free through their employer. No coaching calls. No upsells. Just clarity.

View sample report → Request a demo
Feature 01

Financial health score

Every employee receives a personalised score from 0 to 100 — a single number that captures their complete financial picture. Not a generic quiz result. A calculation built from their actual income, savings, debt, tax situation, and retirement outlook.

  • Scored across six weighted categories
  • Plain-English label — Building Momentum, Strong Foundation, Getting Started
  • Score breakdown shows exactly what's driving the number
  • Updated every time they run a new assessment
Financial health score
Building momentum
74/100
Emergency fund
60
Retirement
82
Tax efficiency
71
Debt-to-income
88
01 —
Build starter emergency fund
Complete
02 —
Capture full employer match
Complete
03 —
Maximise HSA contributions
In progress
04 —
Eliminate high-interest debt
Complete
05 — Build full 6-month emergency fund
2.9 months savedTarget: 6 months
Feature 02

9-step personalised action plan

Not generic advice. A prioritised roadmap built around each employee's exact situation — their income, their debt, their accounts, their goals. Every step is specific, actionable, and sequenced in the right order.

  • Based on proven financial planning principles
  • Shows current progress and next milestone for each step
  • Adapts to life stage — early career, growing family, pre-retirement
  • Plain language — no financial jargon
Feature 03

W-4 & tax withholding guidance

Most employees set their W-4 once and never touch it again. FinancialCheq calculates exactly how much federal and state tax they should withhold per paycheck — using their actual income, deductions, filing status, and the current 2026 brackets.

  • Per-paycheck federal and state withholding targets
  • Flags over- and under-withholding immediately
  • Adjusts for dual-income households and spouse withholding
  • Identifies deduction opportunities — HSA, 401(k), itemized vs standard
  • Child tax credit calculated automatically
W-4 RECOMMENDATION
FEDERAL / PAYCHECK
$555
↓ Save $135/paycheck
STATE / PAYCHECK
$250
On target
Taxable income $141,760
Effective rate 11.1%
Child tax credit –$2,000
Est. refund / owed $3,147 refund
RETIREMENT OUTLOOK
$3.2M
Projected balance at retirement · age 58
CONSERVATIVE
$1.2M
BASE (10%)
$3.2M
OPTIMISTIC
$5.0M
Includes 457(b) bridge strategy · TRS pension · Social Security at 67
Feature 04

Retirement outlook & retirement forecast

A realistic picture of where they're headed — not a generic calculator. Built from their actual accounts, contribution rates, employer match, pension details, and retirement age goal.

  • Three scenarios — conservative, base, and optimistic
  • Social Security estimate using 2026 SSA formula
  • Pension and 457(b) bridge strategy for public sector employees
  • Identifies the retirement savings gap and what it takes to close it
  • Shows the impact of early mortgage payoff on retirement
Feature 05

Career-specific insights

The report adapts to each person's role and occupation — not just their numbers.

  • Teachers get TRS pension guidance and 403(b) strategy
  • Government workers get 457(b) bridge strategy for early retirement
  • Private sector employees get 401(k) match optimisation
  • Dual-income households get combined tax and withholding analysis
  • Lifestage notes — early career, growing family, pre-retirement
Feature 06

100% private — by design.

The report belongs to the employee. Their financial data never leaves their session. Employers receive only anonymous aggregates — participation rates and workforce-level trends.

  • ✓No employee names or figures shared with HR
  • ✓No login required — no stored employee accounts
  • ✓No IT integration — no data feeds or HRIS connection
  • ✓Report processed and discarded — nothing retained
See it yourself

A real report takes 10 minutes.

View a sample report or run one yourself using the demo link below.

View sample report → Request a demo