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Financial Wellness Quiz

Ten questions covering cash flow, emergency savings, debt, protection, retirement and estate organization. You get an educational financial health score from 0 to 100 and the areas worth working on first.

0 / 10 answered

1. At the end of a typical month, what happens to your income?

2. Do you know what you spend each month by category?

3. How many months of essential expenses could your savings cover?

4. How do you handle credit card balances?

5. Do you have a payoff date for your non-mortgage debt?

6. Are you contributing to a retirement account?

7. Would your household stay financially stable if your income stopped?

8. Are your beneficiaries and key documents current?

9. Do you have written financial goals with dollar amounts?

10. How often do you review your full financial picture?

Your financial health score

Answer every question to see your score and focus areas.

This quiz is a general educational self-assessment. It is not investment, insurance, tax or legal advice, and it does not consider your individual circumstances.

What is a financial health score?

A financial health score is a single number that summarizes several parts of your finances at once, rather than one narrow measure like a credit score. A credit score describes how you handle borrowing. A financial health score looks wider: whether income covers expenses, whether savings can absorb a surprise, whether debt is shrinking, whether your household is protected, and whether long-term saving is happening.

How this quiz is scored

Each answer is worth full, half or no credit, and the questions are weighted by impact: emergency savings and retirement contributions carry the most, goal setting and review cadence the least. The weighted points are converted to a 0 to 100 scale.

Save this score and build the plan

A free account saves your score, tracks it over time and turns the weak areas into a step-by-step blueprint with lessons and calculators.

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Check your financial health score by city

Financial Foundations works with households across the country and meets virtually, so the calculators and coaching are the same wherever you live. Pick your metro area for a local version of this page.

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