Calculate your financial wellbeing score
How it works
You’ll be asked about spending, saving and how you’d manage an unexpected big bill. Our algorithm turns your answers into a score out of 100.
This quiz is part of our financial wellbeing programme – you can dip into just a step or two, or work through the programme's six steps in any order.
Financial wellbeing calculator
I can enjoy life because of the way I'm managing my money.
I could handle a major unexpected expense.
I feel on top of my day to day finances.
I am comfortable with my current levels of spending relative to the funds I have coming in.
I am on track to have enough money to provide for my financial needs in the future.
How old am I?
This is to show you the average score for your age group.
Your financial wellbeing score
For information about ANZ’s research into adult financial literacy and wellbeing, see Financial Wellbeing: A Survey of Adults in New Zealand (PDF 4.4MB).
About your score
This score could mean that right now, you might find it hard to pay for everyday expenses – and you may not have an emergency fund for any unexpected bills. You might feel stressed and uncertain about the next 12 months.
This score could mean you feel like you’re just getting by. You might be paying bills on time, but it may feel hard from month to month. This can lead to a reliance on credit cards or loans to cover any gaps or unexpected bills.
This score shows you’re doing OK when it comes to managing money. Things are pretty healthy, but there’s probably more you want to do. Setting a clear and actionable goal helps you take that next step – like saving for a holiday or eyeing your first (or next) home.
Nice work! Your score says you’re in a rock-solid position – ready to tackle whatever comes your way and grow your wealth.
You probably have debt locked down and solid savings, so you can focus on making your money work harder. There are always more ways you can crank up your goals (and returns) so future you can enjoy all you deserve.
Boost your money habits
Our financial wellbeing programme can help. Based on your answers, this could be your next step.
Articles, guides and tools
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Important information
Your information won’t be stored once you end this session. ANZ doesn’t use the information you provide to assess any applications for bank products. For details, see Privacy at ANZ and Website terms of use.
Our financial wellbeing calculator is for illustrative and educational purposes only. The results are a guide based only on your answers. It’s provided by Dave Clark Design Associates Limited on behalf of ANZ.
The calculator links to general articles, guides and tools for information only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our Financial advice disclosure statement (PDF 39.9KB).