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Financial Fitness Test: Assessment

Your grade: D+

Initial comments: You didn’t get a great score in the Financial Fitness Test.

In context: Your score means you got a lower mark than 64% of people that have taken this test before.

Marker’s comments: Your test results show that there are a many areas of your financial affairs that need a good deal of work. Some aspects are OK, but there is a lot of room for improvement in most areas. It can be difficult to make the time to manage your finances properly but you can make great strides with a little will and a little time as long as you get on with it and take the first steps now. You should think about the areas of you finances where you feel least prepared or most worried and look to address these first. Come up with a basic financial plan and ensure you stay on top of things by regularly reviewing your financial position. You may find it easier to do this with the help of qualified financial planner who will be able to point you in the right direction and help you get on track. 

In summary: Lots of areas to work on. You really aren’t making the most of your money. 

Thanks for taking the Financial Fitness Test.

The NorthStar Team  

What Next?


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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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