Financial wellbeing cost per employee in the UK
Buzz charges £1 per employee a month for its guidance tier, with a £99 monthly minimum. A firm of 40 pays £99 a month and a firm of 250 pays £250 a month. A Money Road Map costs £299 for each employee who opts in, and employees pay for their own coaching. Of the other UK providers checked, Octopus Money publishes £299 per employee for planning and quotes its guidance tier by company size, and Bippit lists its starter tier from £3,000.
Figures checked 27 October 2026.
What £1 per employee covers
- The Financial Freedom Score: twenty-two questions across eight areas of money, scored out of 100
- The Financial Healthcheck: a read-only bank connection that sorts spending into four numbers
- A free 30-minute call with a coach for every employee
- A launch webinar and a webinar every quarter
- WhatsApp questions to a coach
- Take-up figures every quarter, with nothing that identifies anyone
First-year cost by headcount
| Employees | Guidance a month | Guidance a year | Money Road Maps if one in ten opts in | First-year total | Per employee |
|---|---|---|---|---|---|
| 10 | £99 | £1,188 | 1 × £299 = £299 | £1,487 | £148.70 |
| 50 | £99 | £1,188 | 5 × £299 = £1,495 | £2,683 | £53.66 |
| 100 | £100 | £1,200 | 10 × £299 = £2,990 | £4,190 | £41.90 |
| 250 | £250 | £3,000 | 25 × £299 = £7,475 | £10,475 | £41.90 |
| 500 | £500 | £6,000 | 50 × £299 = £14,950 | £20,950 | £41.90 |
The Road Map column assumes one employee in ten takes one. You pay only for those who do, and an employee can pay for their own or split the cost with you.
Prices other UK providers publish
| Provider | Guidance for all staff | One-to-one planning | Where the price comes from |
|---|---|---|---|
| Buzz | £1 per employee a month, £99 minimum | Money Road Map £299 per employee who opts in | Buzz prices |
| Octopus Money | Priced by company size and engagement, on quote | £299 per employee who opts in, paid by the employer, through salary sacrifice or shared | octopusmoney.com |
| Bippit | Starter tier from £3,000, per employee on total headcount with a minimum annual fee | Not published | bippit.com |
| Stream (formerly Wagestream) | £1.50, £3.00 or £5.00 per enrolled employee a month, by plan | Live financial coaches on the £3.00 and £5.00 plans | stream.co |
| Nudge, Salary Finance, Wealth at Work | Not published | Not published | Each provider's own website |
Prices as published on each provider's website on 27 October 2026; Stream checked 31 October 2026. Financial wellbeing providers' prices compared
Tax on what you pay for
An employer can pay up to £500 a year per employee for information or advice about pensions without it being taxed as a benefit. Other one-to-one financial coaching is taxable unless an exemption applies. The rules are in the £500 pensions advice exemption and is financial coaching a taxable benefit.
Common questions
Do we pay for employees who never use it?
The guidance tier is £1 for each employee on the payroll, with a £99 monthly minimum, so it covers everyone whether or not they log in. The £299 Money Road Map is charged only for employees who take one.
Who pays for coaching?
The employee. Quarterly coaching is £19 a month, monthly coaching £49 a month, and pay-as-you-go sessions £39 for half an hour or £59 for an hour. An employer can choose to pay for it, and the tax position is set out in the guide on taxable benefits.
What do we see about our staff?
Numbers signed up, sessions held and the topics raised, each quarter. What an employee tells a coach and any bank data they connect stay with Buzz.
Is there an owner's plan?
Yes. A Financial Plan for the owner is £750 with an employer contract, against £1,500 on its own. It models salary, dividends, pensions and the value of the business to age 100. Financial planning for business owners
Is this financial advice?
No. Coaching and planning show you where you stand, model your decisions and hold you to the actions you agree. Neither recommends a pension, fund, mortgage or insurance policy, and Buzz Accounting Ltd is not authorised to.
When a decision needs a regulated recommendation, we say so and can introduce you to Buzz Financial Services, a separate FCA-regulated firm. If you become its client it pays us a commission. We tell you before the introduction, and it is optional.
Related guides
Guides for employers
- Employee financial wellbeing for small businesses
- Financial coaching for employees
- Is employer-paid financial coaching a taxable benefit?
- The £500 pensions advice exemption for employers
- What the 2029 salary sacrifice cap costs employers
- Employee financial wellbeing survey questions
- Automatic enrolment duties for small employers
- Earned wage access and salary advances for employees
- Supporting employees through life changes
- How to set up a financial wellbeing programme
- Financial wellbeing policy template
- Financial wellbeing providers' prices compared
- Salary sacrifice calculator
- Benefit or pay rise calculator