Workforce Value Calculator

Estimate the value of flexible pay solutions

Choose Business Impact if you are evaluating retention, employee experience, and workforce cost savings. Choose Program Economics if you also want to explore optional payment-program revenue assumptions.

7k partners across multiple programs and use cases

90K+ deposit locations to support cash access and convenience

$230B processed annually across Green Dot’s ecosystem

80M+ managed accounts to date, signaling operational scale

Select your view

Use the buyer-focused calculator by default. Open the economics view only if your team wants to explore optional program revenue assumptions.

Focus on turnover reduction, employee retention, financial wellness support, and operational value.

Core business inputs

Active employees or workers

Total workers eligible for EWA, instant pay, payroll cards, or related workforce solutions.

Annual turnover rate

35%

Your current annual workforce turnover rate.

Replacement cost per lost worker ($)

Estimated hiring, onboarding, and productivity replacement cost.

Expected solution adoption rate

38%

Percent of workers expected to use the workforce payment solution.

Retention improvement among users

3.5%

Estimated reduction in turnover among workers influenced by better pay flexibility.

Annual employee experience / wellness value per retained worker ($)

Optional soft-value estimate from improved morale, attendance, or satisfaction.

Advanced business assumptions

Hard-to-fill roles in workforce

20%

Share of the workforce where turnover is especially disruptive or costly.

Extra replacement cost per hard-to-fill worker ($)

Additional cost beyond the base replacement cost for hard-to-fill roles.

Annual admin or payroll efficiency savings per active user ($)

Optional estimate for fewer payroll exceptions, support issues, or check-related costs.

Annual attendance or productivity value per active user ($)

Optional estimate for reduced absenteeism, better reliability, or productivity improvement.

Optional program economics inputs

Instant payouts per adopting worker / month

How often an adopting worker uses an instant payout option.

Net revenue per instant payout ($)

Estimated fee share or net margin earned each time instant payout is used. Use 0 if not monetized.

Adopters using their account or card for spend

62%

Percent of adopters who keep funds in the account and use the card.

Average monthly card spend per spender ($)

Monthly purchase volume flowing across the program.

Net interchange yield

1.10%

Modeled net yield after your economics; adjustable for your structure.

Average held balance per active spender ($)

Average balance held between payout cycles.

Advanced economics assumptions

Annualized float yield

3.75%

Illustrative annual yield on held balances.

Workers adding funds to stored-value accounts

24%

Percent of adopters who also reload or add funds into the account ecosystem.

Reload events per reloading worker / month

Estimated monthly frequency of reload activity.

Modeled revenue per reload ($)

Illustrative revenue contribution per reload event.

Estimated business value

Illustrative output based on your inputs for workforce retention, employee experience, and related business value.

Total modeled annual business impact

Combined modeled workforce value from retention, cost savings, and optional softer value assumptions.

Workers using the solution

0% adoption modeled

Workers retained

Modeled reduction in turnover among active users

Turnover cost savings

Savings from avoided replacement costs

Operational / experience value

Admin, attendance, and wellness assumptions

Hard-to-fill role protection

Additional avoided cost in higher-disruption roles

Executive takeaways

This model updates automatically based on your assumptions.

Assumptions are illustrative and intentionally editable. Outputs do not represent a Green Dot pricing proposal or guaranteed outcome. The business view is intended for buyers evaluating workforce outcomes. The economics view is optional and explores program-level monetization assumptions that may or may not apply to a given deployment model. See Workforce solutions