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Financial Fitness Test: Assessment

Your grade: D

Initial comments: You got a pretty low score in the Financial Fitness Test.

In context: Your score means you got a lower mark than 79% of people that have taken this test before.

Marker’s comments: You score shows that you don’t understand your money and financial situation nearly as well as you could.  In most areas, there is a lots of work to do to improve your financial situation and ensure you make the most of your money. Although you have a few areas in hand, the test showed that many elements of your finances need considerable work. You should sit down and work out your key financial priorities and which areas need the most urgent attention and get to work. You may find it useful to discuss this with a qualified financial planner who will be able to point you in the right direction and help you get on track. With a bit of work and the right attitude, you can get your finances in shape and really get your money working hard for you. Take the right steps now and you’ll be just fine.

In summary: Not very good. You have some of the basics covered, but there is a serious amount of work to do. 

Thanks for taking the Financial Fitness Test.

The NorthStar Team  

What Next?


Share your Financial Fitness Test grade on Twitter

Save your Financial Fitness Test results as a PDF and print.

Contact us

Discuss your score and see how we can help improve your Financial Fitness Test grade by contacting us.

Scoring Methodology

For each question, scores are awarded as follows: 10, 6, 3, 0

The total score for the 24 questions is calculated out of a total of 240 points.

Grades are awarded as follows:

A+: 87%+
A: 75% – 86%
B+: 65% – 74%
B: 57% – 64%
C+: 50% – 56%
C: 43% – 49%
D+: 35% – 42%
D: 25% – 34%
E: 13% – 24%
F: 0% – 12%

The current average recorded score is 44%.

Disclaimer: The Financial Fitness Test is designed to get you thinking about how well you understand your financial affairs. It is not designed to provide financial advice and nothing within the test or results page should be taken as advice. The test provides generic information only. If you wish to obtain advice, please contact us.

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