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ANZ Financial Wellbeing Calculator

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

Question 1

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

Question 2

How confident am I about my 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 2021 ANZ Financial Wellbeing survey of over 1,500 New Zealanders. For more information about ANZ’s research into financial wellbeing please click here.
How to take your next step
Help to improve your financial wellbeing with one of these next steps.
Plan your spend
Have you ever said, “Where does my money go”? You’re not alone, but sorting and tracking your spend, then planning a budget, could help you feel more in control and able to plan ahead.
Managing debt
It can seem a bit scary, but used in the right way debt can be really useful to get the things you need. However, if your debts are becoming difficult to manage, we've got some great ideas for how you could get on top of them
Set a savings goal
Your own home? Saving for a rainy day? Whatever your goals are, this step of the ANZ Financial Wellbeing Programme can show you how to get there.
Organise your accounts
You know where your money’s going. You know where you want to go. Now how do you organise your accounts to make it happen? Here’s a formula that makes it simple.
Plan for your future
It’s important that you understand the basics so you can make wise choices about where you invest your money and how you can protect your financial wellbeing.
Money hacks
Helpful ideas and tricks you can learn in just a few minutes
How to plan your way out of a financial curve ball
Time to read: 4-5 minutes
Life throws financial curve balls. If one comes your way, take a deep breath, then create a plan to navigate your way through. Here’s some pointers, should the unexpected happen.
Cut your grocery bill with these six hacks
Time to read: 4-5 minutes
Groceries are a must have, but if you’ve found yourself grimacing when you see the total, then check out these six hacks on reining in the spend.
Five ideas to give your financial wellbeing a WOF
Time to read: 3-4 minutes
Before you embark on your next binge watch of bake off, we have a great idea.
How to save $2k for a rainy day
Time to read: 4-5 minutes
We all know the importance of a financial reserve, but creating one can be the hard part, so read on for some ideas to kick-off or build your buffer.
fewer subscriptions
How to thrive with fewer subscriptions
Time to read: 3-4 minutes
A little housekeeping could help you clean-up on the savings front when it comes to those subscriptions you hardly use – or have forgotten about entirely. You know the ones… or do you?
Five smart ways to save without sacrificing the things you love
Time to read: 4-5 minutes
Saving – it’s something we all need to do, but go too hard and you could be setting yourself up for failure. The key is a realistic plan that lets you have a life. Here’s five ideas about finding that balance.
Insurance know-how for every age and stage
Time to read: 4-5 minutes
Protecting you, your possessions and lifestyle is important. The real trick is finding the sweet spot that reflects where you’re at. It’s the savvy way to ensure you’re appropriately, rather than overly covered. Here’s a quick overview to help you safeguard your financial wellbeing now and further down the line.
How much is the doggy?
Time to read: 3-4 minutes
Pooches are great company but while the companionship and love might keep us sane, we think it's a good idea to paws and think about the responsibilities that come with a new fur baby.
How to get a home loan into shape
Time to read: 4-5 minutes
In this article we’ll look at strategies you could use to manage a home loan in both good times, and not so good times.
Need extra help?
Financial hardship
Financial difficulty is more common than you think. Don’t go it alone.
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 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.