Stress Score
Predict financial distress before it becomes a resignation.
FinVeil's proprietary 6-factor scoring model quantifies financial stress from payroll data alone — no surveys, no invasive questions. Employers see risk bands (LOW / MODERATE / HIGH / CRITICAL) and predicted productivity-loss days.
Interactive demo
Try your stress score.
Move the sliders below to see how FinVeil scores financial stress from payroll data alone — no surveys, no invasive questions.
Payroll inputs
Stress score result
0
out of 100
LOWPredicted productivity loss
0 days / year
No risk factors detected. This employee would score healthy.
This is exactly how FinVeil scores your employees from payroll data alone. No surveys, no invasive questions.
How it works
Three steps.
Ingest payroll
Payroll data feeds the scoring engine — gross, net, deductions, garnishees, loan counts.
Apply 6 signals
Garnishee orders (+30), loan ratio >25% (+20), net <40% of gross (+15), multiple loans (+10), low salary band (+10), declining net trend (+15).
Surface risk
Each employee gets a 0–100 score and a risk band. Department and trend views let HR target interventions where they matter most.
Benefits
Why teams choose Stress Score.
No surveys needed
Scores derive from payroll data the employer already has.
Predict, don't react
Declining-trend detection flags employees heading into distress before they reach crisis.
Part of the Wellness Suite
Stress Score is retained as a legacy component of the FinVeil Wellness Suite. New deployments should start from the Wellness product page — scoring, dashboards, and interventions ship together under a single contract.
Who it's for
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docsGET /api/stress-scores?employerId={id}&riskLevel=HIGH
Authorization: Bearer $TOKEN
→ 200 OK
[
{ "employeeRef": "EMP-042", "score": 78, "riskLevel": "CRITICAL",
"factors": ["garnishee_present", "loan_ratio_high"] }
]Works with