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How secure and free does your money situation feel? The CFPB Financial Well-Being Scale, developed by the US Consumer Financial Protection Bureau, asks ten questions about coping with surprise costs, month-to-month finances, the future and enjoying life. It takes about two minutes and gives you a 0–100 score, the CFPB score range you fall in, a read of each answer and practical next steps. It is a self-reflection tool, not a financial or medical assessment.
Scientific background: Consumer Financial Protection Bureau (2015). Measuring financial well-being: A guide to using the CFPB Financial Well-Being Scale. Washington, DC: CFPB. Questionnaire and self-administered scoring table from the CFPB Financial Well-Being Scale scorecard (standard 10-item version). “This scale and scoring procedure is 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 a financial, medical or psychological assessment. The CFPB Financial Well-Being 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 Well-Being Test (CFPB Financial Well-Being Scale)
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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 could handle a major unexpected expense
I am securing my financial future
Because of my money situation, I feel like I will never have the things I want in life
I can enjoy life because of the way I’m managing my money
I am just getting by financially
I am concerned that the money I have or will save won’t last
Part 2: How often does this statement apply to you?
Giving a gift for a wedding, birthday or other occasion would put a strain on my finances for the month
I have money left over at the end of the month
I am behind with my finances
My finances control my life
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.
