How is your money really doing?

Ten honest questions, about two minutes. You'll get a clear picture of where you stand — and the single most useful next step for your weakest area.

Nothing you enter is saved or sent anywhere — the math runs entirely in your browser.

The formula, in the open

Score = (Sum of 10 answers ÷ 20) × 100

Each answer: No = 0 · Partly = 1 · Yes = 2
Bands: 0–39 Starting Out · 40–69 Building · 70–100 Compounding

An educational checklist inspired by the CFPB's financial well-being scale — a way to organize your thinking, not a scientific or diagnostic score. Every question counts equally, and the lowest-scoring category becomes your suggested starting point.

Assumptions

All ten questions count equally — real life weights them differently for every household
Honest answers — this is a mirror, not a test you can fail
Four categories cover the basics most households share: resilience, habits, future, and protection

Limitations

Inspired by the CFPB financial well-being scale, but this is an educational checklist — not a validated or scientific measurement
Ten questions can't capture your full situation — income stability, health, and family needs all matter
It's a snapshot in time — answers shift with life events, so retake it after big changes

Want the concept behind the math? What a financial well-being score can (and can't) tell you →