New Report

The State of Employee Savings in 2026

Three out of four workers say that saving improves their productivity, job satisfaction, and tenure.¹ But more than half are withdrawing from their savings daily or weekly to fund everyday expenses.2 A new survey from Chime Workplace and Talker Research2 finds that many American workers are dipping into their savings just to make it to payday. But when they have Earned Wage Access (EWA)—early access to their pay, to help cover those in-between gaps—they find it easier to save, and keep saving.

Download the report to learn how employers can help their employees save—and enjoy greater productivity and retention.

What's in the report

Chime Workplace partnered with Talker Research to survey 1,000 hourly and 1,000 salaried workers about their financial health, savings habits, and the financial wellness tools they need.2

  • 82% of workers: building savings is a top financial goal2

  • Why they're having to dip into their savings to make it to payday

  • How Earned Wage Access helps employees preserve savings

  • The ROI: Why employee savings matters for employers