Door 3 · The Quiet Leak Calculator

Put a number on what's already leaving.

Two figures you already know. Then you set the dial — from cautious to realistic — and watch the annual cost of financial stress on your floor. Every assumption is on the table, every rate is cited. Nothing inflated.

1 Your two numbers
RM
The dial · how hard the stress is biting Balanced

Naluri's EAP data puts workplace presenteeism at 10–15% of payroll. We start you at the cautious end. Drag toward realistic if it fits your floor.

Cautiousbottom of every range Realisticmid-market averages
Estimated annual cost — financial stress on your floor
RM0 – RM0
per year · illustrative range

This isn't extra headcount or new spend. It's the cohort already on your payroll — you're paying full salary for a fraction of the output, and losing good people you'd have kept.

Show every assumption behind this number
We deliberately build from the conservative floor of each published figure, and apply rates only to the affected cohort — never the whole workforce. The dial slides each rate between its cautious and realistic end.
  • Affected share — 26% of staff. We cost financial stress only for the stressed cohort, not everyone. AKPK / FEWRC, From Nine to Five, 2020.
  • Presenteeism — 3% to 10% of that cohort's salary. Cautious end sits near RELATE's own company case study (3.78%); realistic end stays at the bottom of Naluri's 10–15% band. RELATE Malaysia (2018 est.); Naluri EAP data via The Edge Malaysia.
  • Turnover — flight-risk portion only. 89% of the poor-wellbeing group are actively job-hunting; we assume a small slice of that actually leaves each year, costed at a conservative fraction of annual salary to replace. AKPK / FEWRC via HRM Asia; replacement-cost fraction held deliberately low.
Output is shown as a range, rounded — a signal of honesty, not false precision. These are published sector averages applied as an educational illustration, not an audit of your specific company.
The reporting angle

This is also something you can put in your Sustainability Statement.

Financial literacy isn't just goodwill. Under Bursa Malaysia's enhanced sustainability framework, a workforce financial-wellbeing programme is a disclosable action under labour practices and workforce wellbeing — and it's one of the few levers that actually moves your employee-turnover figure, a metric Bursa now requires listed issuers to report.

Not listed? Your listed clients increasingly ask suppliers for the same data through their own supply-chain disclosures — so the pressure reaches you either way.

Labour practices & standards Employee turnover Health & safety / wellbeing Supply-chain disclosure

How your programme maps to each indicator — and how to word the disclosure — is what we walk through together.

Or start the conversation

Educational illustration only, not financial advice or a company-specific audit. Figures apply published Malaysian research and official statistics to the inputs you provide; the dial lets you choose where in each cited range to sit. Full sources in the Eunive Door 3 research file. Presenteeism & turnover ranges: AKPK/FEWRC, RELATE Malaysia, Naluri (via The Edge). ESG framework: Bursa Malaysia enhanced sustainability reporting requirements.