Finance Wellbeing Calculator

What is a Financial Wellbeing Calculator?

Your financial wellbeing isn’t just about how much you earn, it’s about how confident and in control you feel about your money.

In less than three minutes, our Finance Wellbeing Calculator helps you understand where you’re tracking across key areas like spending, saving, planning, and protection.

You’ll receive a wellbeing score out of 100, showing how financially secure and balanced you are today – and where small improvements could make a big difference.

It’s a financial health check-up that highlights strengths and potential risks across key areas like:

• Budgeting and cash flow
• Debt management
• Savings and emergency buffer
• Financial protection and insurance
• Future planning and goal setting

How the Finance Wellbeing Calculator Works

The calculator asks a short series of questions about your habits and confidence in managing money – from budgeting and saving to insurance and goal setting.

For each question, select the option that best reflects your situation (“Not really”, “Somewhat”, “Mostly”, or “Yes”).

Once complete, you’ll instantly receive a personalised wellbeing score out of 100, along with insights into how you’re performing across major areas.

Here’s an example of how results might look: our financial wellbeing score gives you a snapshot of how effectively you’re managing your money right now.

80–100: You’re in a strong position – your finances are well managed, and you’re making steady progress toward your goals.

50–79: You’re on the right track – a few focused improvements could help strengthen your financial stability and confidence.

Below 50: You may be feeling some pressure – identifying and addressing key gaps will help reduce stress and improve long-term security.

Remember, this score isn’t about comparison – it’s a guide to help you understand your position and take control of your next steps.

These scores are examples only and will vary depending on your personal inputs and financial situation.

Why Use a Finance Wellbeing Calculator?

• The Financial Wellbeing Calculator is a free and easy way to check in on your financial health.
• It takes a professional approach in a friendly way — giving you a quick snapshot of where you’re doing well and which areas might need more attention.
• In just a few minutes, you’ll get an overall wellbeing score and a breakdown across key areas like savings, spending, planning and protection.
• It’s designed to help you:
  Gain a clear overview of your financial position without needing to share any personal financial data.
  See which areas you’re strong in and where you could focus next.
  • Build awareness and confidence to take control of your financial decisions.
• Think of it as a friendly starting point — a professional check-in that helps you understand your financial wellbeing and take your next step forward with confidence.

Take Control of Your Finances

Many Australians struggle with balancing debt, savings, and long-term planning.

The finance wellbeing calculator helps simplify this by turning complex financial data into clear, actionable insights.

It’s ideal for:

• Individuals and families wanting to build stability and prepare for emergencies.
• Homebuyers managing mortgage repayments and expenses.
• Professionals aiming to improve cash flow and future security.

By identifying financial risks early, you can make informed choices – from adjusting spending to boosting savings – before problems become stressful.