Survey Shows Reduced Financial Strain but Persistent Emergency Savings Shortfall
According to PayrollOrg's 2026 'Getting Paid In America' survey, the percentage of Americans who would struggle if their paycheck were delayed by a week has dropped to nearly 72%, marking its lowest level in four years. This decline suggests some easing of financial strain compared to recent years when the figure ranged between 77% and 78%. However, despite this improvement, 40% of respondents still report having no emergency savings at all. The survey highlights ongoing financial vulnerability among workers, with another 32% indicating they have less than three months' worth of expenses saved. Financial wellness tools were identified as one of the most valuable payroll-related features by employees, selected by 41%. Bill Gartland from Chime Workplace emphasized that while progress is evident, a significant portion remains financially unprepared. Conducted during National Payroll Week in September–October 2026 and based on responses from over 9,500 individuals, the survey aims to provide insights into evolving pay practices. Full results will be available later this year.
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Topics: emergency funds financial obligations payroll survey