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Get your Financial Wellbeing Score
Get your Financial Wellbeing Score
Take the quiz to get your score - it's like a quick health check for your money. A few simple questions will get you thinking about your spending habits, lifestyle and goals. Then the algorithm will turn your answers into a score (out of 100) to help you understand your current financial position, and how you compare to others in your age bracket. Sounds simple? It is.
How it works:
- Answer 12 questions (3 mins. Too easy.)
- Get your score and note it down
- Receive tailored tools, tips and content based on your score and start improving your financial wellbeing
Just so you know, your answers will only be used to present you with the most relevant tips and tools based on your score. And this tool is free for everyone – and no salesy stuff.
Now that you've seen your score, remember that this number is not set in stone – if you’re worried about your result, take pride in having started your journey. Just getting your score and reading the tips provided for you below is a great step in the right direction.
About your score
This score could mean that right now, you might be having a hard time paying for your daily necessities and may not have a financial buffer or ‘rainy day’ fund. You might be feeling stressed and uncertain about the next 12 months, so let’s start by reviewing your current situation and seeing where we can help.
How to start improving your score
1. Understand where you're currently at
2. Tips and strategies to get you back on track
Brain hack
Did you know that the act of manually tracking what you spend can trick your mind into spending less – or at least putting more consideration into the little costs that sneak up on us. Writing it down (either at the time, or at the end of the day) makes you pause, reflect on the purchase and create a mental note for the next time the spending situation arises.
Tips, tricks and savings hacks
We’ve collected the best articles, videos, tools and calculators that can help you improve your financial wellbeing.
Extra support
Your score indicates that you could be experiencing financial difficulties right now. Remember, you don’t have to wait until things become too much to seek assistance. If you need help to get back on track, make a plan, or to find more information about the options available for you, you can visit our Financial Hardship site today.
How often should you check your score?
If you’re making an effort to change how you handle your money, you could start seeing improvements in your score in as little as a few months. But we recommend checking back in every 3 months to see how your situation has changed or how you could fine tune little habits for long term success.
Now that you've seen your score, remember that this number is not set in stone – it can change for a range of reasons, from rising costs putting the squeeze on your budget, to actions you’ve taken to feel more secure. See today’s result as your baseline and now is your chance to improve it.
About your score
This score could mean that you feel like you’re just getting by. You might be paying your bills on time (most of the time), but it still feels like a crunch to get from one month to the next, or you’re left without a buffer when something unexpected pops up. This can lead to a reliance on credit cards or personal loans to cover any gaps. Let's get you closer to feeling more in control!
How to improve your financial confidence
1. Get your current costs under control
2. Prepare for the unexpected
Brain hack
There are two big mind tricks that are often at play when we accumulate debt.
- One is emotional reasoning – when we are swayed by our feelings rather than the cold, hard facts. This can lead us to buy things we don’t need or are unable to pay back.
- The other is a little thing called optimism bias – which makes us assume our financial position will turn around without us changing anything, even if there are signs to the contrary.
Both tend to make us turn a blind eye to our habits and get deeper in debt. To fight these natural human tendencies, get real with the facts of what you owe by putting all your debt and what you’re spending down on paper.
Tips, tricks and savings hacks
We’ve collected the best articles, videos, tools and calculators that can help you improve your financial wellbeing.
ARTICLE
How to have a credit card and good financial wellbeing
You don’t need to avoid debt entirely to improve your score.
CALCULATOR
Personal loan repayment calculator
This calculator can help you to estimate your repayments to make sure it fits within your budget.
How often should you check your score?
If you’re making an effort to change how you handle your money, you could start seeing improvements in your score in as little as a few months. But we recommend checking back in every 3 months to see how your situation has changed or how you could fine tune little habits for long term success.
Now that you've seen your score, it’s good to know that the higher your score, the better your financial wellbeing and money management is right now. But before you read on, remember that this number is not set in stone – every action you make towards achieving your goals will nudge it up a little higher. The tips below will help you get there.
About your score
This score shows you’re doing okay when it comes to managing your finances. And while things are pretty healthy, there’s probably more you want to do. Whether you’re setting yourself up for retirement in the future, are eyeing up the property market, or have a magic number you want saved by this time next year, setting clear and actionable goals will help you to take that next step.
How to give your score a boost
1. Start with crafting clever savings goals
2. Strategies to help you save more
Brain hack
Ever bought a new pair of sunnies for a holiday, while struggling to actually save for that holiday? Our desire for instant gratification is hardwired in the human brain. But saving towards your goals is all about delaying the good. One way to help you beat temptation is to create your own dopamine-supplying rewards system to encourage good spending behaviours. Find something small (and preferably cheap) that makes you happy. Then, do it every time you save. Trick your brain into associating not spending with sweet reward.
Tips, tricks and savings hacks
We’ve collected the best articles, videos, tools and calculators that can help you improve your financial wellbeing.
CALCULATOR
Savings calculator
Crunch the numbers for your goal to see how long it will take to save and how much to put aside each month.
ARTICLE
Nail your pay rise request
If you’ve ever wondered how to ask for a raise, check out these top tips to help you get in front of your boss.
ARTICLE
Saving for your first home
It’s one of the biggest expenses in life, but this guide can help you get your foot in the front door of your new home sooner.
ARTICLE
How much does a dog cost?
Puppies are the ultimate addition to your home, but they can also be a mini wrecking crew to your budget if you’re not careful.
ARTICLE
How to eat out on a budget
Saving money doesn’t mean you need to sacrifice your lifestyle – these tips can help you get the best of both worlds.
ARTICLE
Expense tracker – wants
Compile all your non-essential expenses into one place to see how much you’re spending (and what could go).
ARTICLE
Why I focused on my debt when times got tough
Libby Babet shares her journey with debt and improving her financial wellbeing.
How often should you check your score?
If you’re making an effort to change how you handle your money, you could start seeing improvements in your score in as little as a few months. But we recommend checking back in every 3 months to see how your situation has changed or how you could fine tune little habits for long term success.
Nice work! Your score says you’re in a rock solid position – ready to tackle whatever comes your way and grow your wealth. The higher your score, the better your financial wellbeing and it looks like you’re feeling good right now.
About your score
Your score shows you’re onto a good thing right now. You probably have debt locked down and some solid savings - so your focus should be on making your money work harder for you and growing your wealth. There are always more ways you can crank up your goals - and your returns - so you can spend your twilight years enjoying all you deserve.
How to make your money work for you
1. Kick off with your goals
2. Start your investment portfolio
3. Expand your investment portfolio
Brain hack
When you start investing, don’t get swayed by the herd mentality. In other words, what everyone else is doing. It’s more important that you think about your own goals and values before you start investing. So, don’t just pick the popular methods right now, pick the ones that align with your long-term plans.
Tips, tricks and savings hacks
We’ve collected the best articles, videos, tools and calculators that can help you improve your financial wellbeing.
ARTICLE
Super vs Shares: Where to invest extra money
Where to put a lump sum to get the most out of your money.
TOPIC
Work out what your investment risk profile is
Get a handle on your appetite for risk to make better investing decisions.
How often should you check your score?
If you’re making an effort to change how you handle your money, you could start seeing improvements in your score in as little as a few months. But we recommend checking back in every 3 months to see how your situation has changed or how you could fine tune little habits for long term success.
The ANZ Financial Wellbeing tool is provided for illustrative and educational purposes only. The results generated by using the tool are a guide and are based only on the information you have provided. We may provide you with links to general articles and tools that may help you but any advice does not take into account your objectives, personal needs and financial circumstances, and does not constitute financial advice or a recommendation. ANZ does not endorse or approve any results calculated using the tool. Before considering if any product is right for you, you should take into account your personal needs and financial circumstances and consider whether it is appropriate for you.
You don’t need to provide us with your name or contact details. ANZ securely saves your responses for the purpose of research, and help us show you Financial Wellbeing content on anz.com that might be relevant to you. ANZ does not use the information you provide for the purpose of assessing any application. ANZ’s Privacy Policy contains information about how ANZ protects your privacy and confidentiality.