Know Your Financial Position

What this is. A research-informed financial-health self-assessment. Sixty per cent of the score sits in cash flow, financial resilience and consumer debt. That reflects Australian evidence that active saving, avoiding borrowing for everyday expenses, maintaining liquid buffers and controlling expensive debt are central to financial wellbeing and resilience. The remaining 40% covers housing pressure, super, investing behaviour, money systems and long-term financial trajectory.

What it is not. This is not an ASIC, ATO, RBA, ABS or lender score. It is not a credit assessment, a national percentile, a prediction or personalised financial advice. The phrase “above average” is brand language, not a statistical claim that your result places you above a stated percentage of Australians.

What your score means. This is an estimate based on your answers, not a prediction, credit rating or measure of personal worth. Check the category breakdown to see where you could improve.

How age is handled. Age does not directly add or remove points. It is used only to interpret the result. ABS data show wealth and asset accumulation tend to change substantially across the life cycle, so age is used only to add qualitative context to the result. The age context is deliberately qualitative, not a claimed percentile.

Key scoring choices. Three months of expenses is treated as a strong emergency-fund benchmark, with six-plus months receiving the top resilience score. The detailed emergency question uses the ABS $2,000-within-a-week financial-stress measure. Housing-cost bands use the widely used 30% stress threshold as a directional signal, not a universal rule. The quiz asks about take-home income, so it is not the formal Australian 30:40 housing-stress test, which is generally applied to lower-income households and can use gross or equivalised disposable income. HELP is weighted lightly because repayments are income-contingent. Extra super contributions, raw investment balances and investment-property cash flow are shown as context rather than simple “more is always better” points.

• ASIC Moneysmart — Emergency fund guidance
• ABS — General Social Survey 2025 financial-stress indicators
• ANZ — 2021 Australian Financial Wellbeing Survey
• ASIC Moneysmart — Getting debt under control
• ASIC Moneysmart — Credit-card costs and carried balances
• AIHW — Housing affordability and housing stress
• RBA — Financial Stability Review, household cash-flow and buffers
• ATO — 12% super guarantee
• ATO — Super contribution caps and tax
• Australian Government — HELP repayment and indexation reforms
• ASIC Moneysmart — Diversification
• ASIC Moneysmart — Gearing and borrowing-to-invest risk
• ASIC Moneysmart — Investment-property risks and cash flow
• ABS — Household Income and Wealth, life-cycle wealth patterns

General information only. Results depend on the accuracy of self-reported answers and simplified ranges. Tax, super, property, lending and investment outcomes depend on individual circumstances and can change over time. Consider an appropriately licensed financial adviser, registered tax agent, mortgage professional or financial counsellor where relevant.