Is this the official CFPB Financial Well-Being Scale?
Yes. The ten questions, response options, reverse scoring, and age/administration conversion table follow the CFPB Financial Well-Being Scale scorecard. PsyFi does not store your answers.
Behavioral lens: Financial security & choice
Financial Wellness Score
Based on the Consumer Financial Protection Bureau Financial Well-Being Scale — a research-backed measure of financial security and freedom of choice.
Educational estimates only. Not personalized advice. Data targets 2026 behavioral finance rules.
About this score
This uses the Consumer Financial Protection Bureau (CFPB) Financial Well-Being Scale — ten research-backed questions that measure how financially secure and free to choose you feel. Answers stay on your device.
Official CFPB financial well-being toolPart 1: How well does this statement describe you?
I could handle a major unexpected expense
This statement describes me
I am securing my financial future
This statement describes me
Because of my money situation, I feel like I will never have the things I want in life
This statement describes me
I can enjoy life because of the way I'm managing my money
This statement describes me
I am just getting by financially
This statement describes me
I am concerned that the money I have or will save won't last
This statement describes me
Part 2: How often does this statement apply to you?
Giving a gift for a wedding, birthday or other occasion would put a strain on my finances for the month
This statement applies to me
I have money left over at the end of the month
This statement applies to me
I am behind with my finances
This statement applies to me
My finances control my life
This statement applies to me
About you (needed for accurate scoring)
Answer all ten questions to see your CFPB-based score.
Behavioral lens: Financial security & choice
Well-being is more than a bank balance
The CFPB scale measures how financially secure and free to make choices you feel — not your income, net worth, or credit score. Two people with the same salary can score very differently.
Turn your wellness score into daily habits
PsyFi connects accounts and nudges so improvements in cash buffer, debt, and spending show up in how secure you feel — not just in a one-time quiz.
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How to use this calculator
- Step 1
Answer the ten CFPB statements about security and money control.
- Step 2
Select your age group and how you completed the questionnaire.
- Step 3
See your 0–100 financial well-being score with national context.
The psychology behind Financial Wellness Score
Financial well-being, as defined by the CFPB, is the sense of having financial security and freedom of choice, both today and in the future. It is deliberately not a wealth or credit metric. That is why the scale asks how statements describe you — not how much you earn.
Some items are reverse-scored. Saying you are “just getting by” or that “finances control my life” lowers the raw total, while saying you could handle an unexpected expense raises it. The official worksheet converts that raw total (0–40) into a normalized 0–100 score using age and administration mode.
National survey research from the CFPB puts the average U.S. adult around the mid-50s. A lower score is information, not a verdict: it usually points to cash shortfalls, past-due stress, or a weak buffer — problems that respond to concrete cash-flow habits.
Use this tool as a periodic check-in. Retake it after you build an emergency fund, automate savings, or clear a high-interest balance. Pair the score with PsyFi habits so the feeling of security has a measurable system behind it.
This page credits the CFPB Financial Well-Being Scale. For the official interactive tool and research, visit consumerfinance.gov/consumer-tools/financial-well-being/.
Authoritative sources
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FAQ
What is a good financial wellness score?
CFPB research finds the average U.S. adult score is about 54. Higher scores generally indicate greater perceived financial security and freedom of choice. Use the score to track progress over time, not as a pass/fail grade.
Why do age and how I take the quiz matter?
CFPB found people answer slightly differently by age group (18–61 vs 62+) and by self- vs interviewer-administered mode. The official table converts your raw total so scores are comparable across groups.
Is this PsyFi calculator free?
Yes. Every PsyFi free tool runs in your browser with no signup. We pair clear math with behavioral science so you can decide without creating an account.
Does PsyFi store what I type?
No. Inputs stay on your device. Nothing you enter is sent to PsyFi servers.
Is this personalized financial advice?
No. These are educational estimates for 2026. Confirm current rules with the IRS, SSA, CFPB, or a qualified professional before acting.
Estimates for education only. Not financial, tax, mortgage, immigration, or legal advice. Tax rules and rates change. Verify current figures with qualified professionals before making decisions. PsyFi tools add behavioral context; they do not replace personalized planning.