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Savings and resilience comparison tool

See how different households compare

Important information - The information you find within this tool isn’t personal advice, but more of a guide to see where people in your age group, income bracket and area fit within the nation to help you build a more financially resilient future. If you're not sure what to do on any of the topics we discuss, please ask for financial advice.

Even though we can't always control what happens in life, we can prepare ahead to improve our financial security over the long term. That’s where being financially resilient comes into play.

Lots of us won’t know how resilient our finances are – or how this compares to everyone else.

That’s why we’ve worked with experts Oxford Economics to bring this to life. Together we’ve developed an index as a way of measuring the nation’s resilience across our 5 to Thrive pillars.

HL Savings and Resilience Barometer
A landmark study by Oxford Economics

Read the video transcript

5 to

5 key pillars for financial resilience

Control your debt

It’s essential you manage debt to benefit you in the long run, rather than letting it negatively impact your daily life. We’ve looked at how people manage their debts.

Protect you and your family

Protecting your income or making sure your nearest and dearest are looked after if you’re unable to contribute should be paramount. We’ve looked at how families can financially survive a death in the household, or cope if the main breadwinner were to lose their income.

Save a penny for a rainy day

Your rainy day savings are the third cornerstone of financial resilience. We looked at who has sufficient emergency savings and spare cash at the end of the month, through to employee benefits like short-term sick pay and redundancy packages.

Plan for later life

After having built short-term resilience, the fourth priority focuses on building longer term resilience for life after work.

Invest to make more of your money

Investing offers the potential to make your money work harder for you. That’s why we’ve looked at households who are investing for the long term.

More information

If you'd like to learn more about the index that we have developed with Oxford Economics you can read the full report.

Read full report

If you’d like to know more about how we’ve calculated and measured any of the pillars mentioned above, you can find out more in a methodology document published by Oxford Economics.

View methodology document

View all reports and documents

Want to talk?

For further information or any questions, contact us.