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How confident are you at finding, weighing and acting on financial information? The Financial Skill Scale, developed by the US Consumer Financial Protection Bureau (CFPB), asks ten questions about making money decisions, following through on your plans and knowing when to get advice. It takes about two minutes and gives you a 0–100 score, US reference points, a read of each answer and practical next steps. It is a self-reflection tool, not a test of knowledge or a financial assessment.
Scientific background: Bureau of Consumer Financial Protection (2018). Measuring financial skill: A guide to using the Bureau of Consumer Financial Protection Financial Skill Scale. Washington, DC. Questionnaire and self-administered scoring table from the Financial Skill Scale questionnaire and scoring worksheet (June 2018). “This scale and scoring procedure are free and publicly available.” Information created by the CFPB is in the public domain; no endorsement by the CFPB is implied. Traditional Chinese: Treehole Hong Kong translation, not psychometrically validated（中文譯本由樹洞香港翻譯，未經心理計量驗證）. Learn more
This result is for reference only and is not financial advice or a financial, medical or psychological assessment. The Financial Skill Scale was developed by the US Consumer Financial Protection Bureau and is free and publicly available; this site is not affiliated with or endorsed by the CFPB. The Chinese translation is by Treehole Hong Kong and has not been psychometrically validated.
Financial Skill Test (CFPB Financial Skill Scale)
0 / 11
Please answer every statement; the score can only be calculated when all ten are answered. Part 1 asks how well each statement describes you or your situation; Part 2 asks how often it applies to you. The last question asks your age group, which the CFPB scoring table needs. There are no right or wrong answers.
Part 1: How well does this statement describe you or your situation?
I know how to make complex financial decisions
I am able to make good financial decisions that are new to me
I know how to get myself to follow through on my financial intentions
I am able to recognize a good financial investment
I know how to keep myself from spending too much
I know how to make myself save
I know where to find the advice I need to make decisions involving money
Part 2: How often does this statement apply to you?
I know when I do not have enough information to make a good decision involving my money
I know when I need advice about my money
I struggle to understand financial information
Part 3: Tell us about yourself.
How old are you?
Complete the assessment to open your report.
Results are for reference only and do not constitute a medical diagnosis — if you have concerns, please consult a doctor or mental-health professional.
