Financial resilience is about being able to bounce back from unexpected life events and financial setbacks, while moving forward to achieve your goals.
If you’re feeling financially vulnerable, you’re not alone
You’re not alone
Financial vulnerability affects 74% of Canadian households and many people around the world, so if you’re not ‘Financially Resilient’ based on your financial resilience score, you’re not alone.
Financial vulnerability and financial stress are mainstream problems across people from all household incomes, with 43% of households ‘Extremely Vulnerable’ or ‘Financially Vulnerable’ with a financial resilience score of 0 to 50 based on the Institute’s robust,
Financial Health and Resilience Index Model.
Proportion of Canadians by Financial Resilience Segment (February 2026)
Source: Financial Resilience Institute, Financial Health and Resilience Index Model, February 2026 Seymour Financial Resilience Index ®. The sample size for the February 2026 Financial Well-Being Study is 5429 survey respondents with more information on the Index and Canadians’ financial health and resilience in our non-profit Institute’s reports.
‘Extremely Vulnerable’ households have a financial resilience score of 0 to 30; ‘Financially Vulnerable’ a score of 30.01 to 50; ‘Approaching Resilience’ a score of 50.01 to 70, and ‘Financially Resilient’ a score of 70.01 to 100 based on the Institute’s Index.
The Index is the first of its kind in the world, builds on 10+ years of data by our non-profit and has an Index baseline of February 2020. It was created to help quantify and tackle the challenge of financial vulnerability as a mainstream problem in Canada
This is a journey, and even small changes can make a difference. It is often hard to make complex life and financial trade-off decisions, particularly for people facing financial hardship or barriers. Recognizing challenges you may face is an important first step towards strengthening your financial and overall resilience as best you can.
Your financial health and resilience can change as you experience
planned and unplanned life events.
You can move forward to realize your goals
Your financial resilience can slip backwards or improve over time, just like with your mental or physical health, with this proven by Financial Resilience Institute’s research and analytics since 2020.
Great news: by taking charge of your finances, you are building a strong foundation for your future. Life throws curveballs, but with knowledge on your side, you can navigate them with confidence. Consistent effort and positive changes will have a real impact on your financial well-being, helping you achieve your goals in life. Explore articles and resources
Important Notice
The information in this tool and on this website isn’t intended and should not be relied upon as professional or personal financial product advice. You should seek professional advice before making any decisions that could affect your financial resilience or financial health.