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Just so you know, we don’t save any of your responses and it’s free for anyone to use, whether you bank with us or not.

ANZ Financial Wellbeing Calculator

anz logo 12 questions. 5 minutes. Let’s get started.

Question 1

How would you describe your current financial situation?
(1 = Very bad, 5 = Very good)

Question 2

How confident are you about your financial situation in the next 12 months?
(1 = Not at all confident, 5 = Very confident)

Question 3

How often do you have any money left over after you've paid for regular expenses like housing, electricity, food, clothing, petrol and transport?

Question 4

How often do you run short of money for regular expenses like housing, electricity, food, clothing, petrol or transport?

Question 5

Which of these statements best describes how well you're meeting bills and debt repayments at the moment?

Question 6

How well does this statement fit you personally?
My finances allow me to do the things I want and enjoy life.
(1 = Does not fit, 5 = Fits very well)

Question 7

In the past 12 months, how often have you been unable to pay bills or debt repayments at the final reminder due to lack of money?

Question 8

If you have to meet an unexpected expense tomorrow, equivalent to a month's income, how much of it would you be able to cover from money you have available (in cash or a bank account)?

Question 9

Would you need to borrow, overdraw your account or use a credit card to meet an unexpected expense equivalent to a month's income?

Question 10

If your income fell by a third, how long could you meet all your expenses without needing to borrow?

Question 11

Thinking about your total income, approximately how many month's income do you have in savings?

Question 12

How old are you?
Your financial wellbeing score is:
Your score
download-icon Save your score as a PDF
0 25 50 75 100
Average score
0 25 50 75 100
Age group benchmarks of financial wellbeing are from the ANZ Roy Morgan Financial Wellbeing Dataset, compiled primarily from the 2017 survey of over 1,500 New Zealanders. For more information about ANZ’s research into financial wellbeing please click here.
And the next step is… Plan your spend!
You've taken the first step to improving your financial wellbeing. Remember, your score isn’t about good or bad, it’s about recognising what needs to change to help you manage your money better. Now, time to take a look at your needs and wants and set that budget.
Up next
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Plan your spend
Yes, it’s a budget. But not as you know it.
Start planning
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Manage debt
The good, the bad and the useful.
Get started
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Organise your accounts
Set, select and relax.
Start organising
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Set a savings goal
Set it, to get it.
Start saving
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Invest in your future
Smart ways to grow your wealth.
Start now
Need extra help?
Impacted by COVID-19?
We’re here to help. See information about the available support options to help you through COVID-19.
Learn more
Financial hardship
Financial difficulty is more common than you think. Don’t go it alone.
Learn more
Book an A-Z Review online
Get the best out of your banking by talking with an ANZ Personal Banker. It’s a free one-one-one discussion in branch.
Learn more
Budgeting services
MoneyTalks provide confidential, non-judgemental free budgeting services throughout New Zealand.
Learn more
Important information

Your information will not be stored once this session is complete. ANZ does not use the information you provide for the purpose of assessing any application. If you want to know more about how information is treated as you access and interact with anz.co.nz read our Website Security and Privacy Statement.

The ANZ Financial Wellbeing Calculator (“Calculator”) is a tool provided for illustrative and educational purposes only. It is provided by Dave Clark Design Associates Limited on behalf of ANZ Bank New Zealand Limited (“ANZ”). The results generated by using the Calculator are a guide only and based only on the information you have provided. ANZ does not endorse or approve any results calculated using the Calculator.