The Financial Wellbeing Institute's 2025 Financial Wellbeing Index revealed a modest rise to 54.6 points, improving by four points from 2024. Despite this, 38.4% of Cypriots remain in the two lowest financial wellbeing categories, highlighting ongoing economic pressure for many households.

The report categorizes the population into five financial profiles: 15.4% are financially vulnerable, 23.0% financially struggling, 27.7% financially adequate, 20.8% financially secure, and only 13.1% financially thriving. Financial stress remains a significant concern, scoring below 50 points on the index. Nearly half of respondents reported financial issues causing stress and anxiety, with 45.1% struggling to make ends meet.

Retirement planning emerged as a major worry, with many doubting their ability to maintain their living standards post-retirement. Rising cost of living was cited by 26.1% as the greatest threat to financial stability. Panayiotis C. Andreou, president of the Financial Wellbeing Institute, emphasized the need for targeted financial education and planning interventions to improve outcomes across Cyprus.