Financial Wellbeing Score
Australia 2026 — How Healthy Are You?
A free, 60-second self-assessment based on the ANZ Financial Wellbeing Index 4-domain framework — the most-cited Australian wellbeing benchmark, published quarterly since 2018. Score yourself 0–100 across Feeling Comfortable, Resilient, Saving for Future, and Freedom of Choice.
Quick answer: ANZ Financial Wellbeing measures four domains: Feeling Comfortable, Resilient, Saving for Future, Freedom of Choice. Australian average is 60.3 (ANZ FWI 2023). Above 75 is "Doing Well"; above 90 is "No Worries". The strongest predictor of high scores is emergency fund presence + consistent super contributions.
Your wellbeing assessment
Eight items, two per ANZ FWI domain. Pick how strongly each statement applies to you. No data leaves your browser.
😌 Feeling Comfortable
I am satisfied with my current financial situation.
My income comfortably covers my regular monthly expenses.
🛡️ Resilient
I could cover an unexpected $1,000 bill from savings without going into debt.
If I lost my main income tomorrow, I could pay essential bills for at least 3 months.
📈 Saving for Future
I am saving regularly toward my future, including super.
I am on track to retire when I plan to.
🦋 Freedom of Choice
My finances allow me to make life choices without major sacrifice.
I feel in control of my finances rather than my finances controlling me.
Answer all 8 questions to see your score, your domain breakdown, and your targeted recommendation.
Anchored to ANZ's published domain definitions. Not the official ANZ instrument (administered only via Roy Morgan Single Source). Educational reflection tool, not financial product advice. Verify with an AFSL-holder financial adviser.
Your cushion: how many months can you cover?
The single strongest predictor of the Resilient domain. Target is 3–6 months of essential expenses in a HISA or offset account.
Emergency fund
$13,500
have / $27,000 target
Super contribution
11.5%
At Super Guarantee
Debt-to-income
20%
Healthy
The four ANZ FWI dimensions of financial wellbeing
ANZ's published 4-domain framework. Each dimension has its own lever and its own typical Australian benchmark.
😌 Feeling Comfortable
Present satisfaction with your finances — income covering expenses, not feeling stretched.
🛡️ Resilient
Capacity to absorb a shock — emergency fund, redundancy buffer, insurance cover.
📈 Saving for Future
Building toward future goals — super, salary sacrifice, outside-super investments.
🦋 Freedom of Choice
Financial autonomy — choosing how to spend time and money without major sacrifice.
Wellbeing score vs credit score vs net worth
| Measure | What it measures | When it matters |
|---|---|---|
| Credit score (Equifax / illion) | Borrowing reliability | Applying for a mortgage, refinance, credit card |
| Net worth | Stock of assets minus liabilities | Tracking long-term wealth progress |
| Wellbeing score | State of how finances actually feel and function | Always — summarises all of the above into one signal |
Someone can have an 800 Equifax score, a $2M net worth (mostly in super they cannot access for 20 years), and still report low wellbeing — illiquid wealth weakens both the Resilient and Freedom of Choice domains.
Tools to move your score
Each one drills into a specific lever from the four ANZ FWI dimensions.
Retirement Planning Hub
Targets ‘Saving for Future’. Super + Age Pension readiness across 3 scenarios.
Average Super by Age (AU)
ATO benchmark by age band. Where you sit vs the Australian average.
Average Net Worth by Age (AU)
ABS Household Wealth Survey 2019-20 benchmarks by age.
Superannuation Calculator
Project balance with SG, salary sacrifice, and ASFA target comparison.
Retirement Income Calculator
City-by-city cost data for Sydney, Melbourne, Brisbane and more.
Age Pension × CGT Guide
How CGT main-residence exemption interacts with Age Pension assets test from 2027.
Stamp Duty Calculator
Homeownership is the strongest predictor of Australian wellbeing — plan accurately.
AU Guides Hub
Negative gearing, super, CGT — the full AU long-form library.
Meet Ada, your Financial Health Assessor
Ada is one of Richify's AI agents — the Financial Health Assessor. She calculates your wellbeing score from your real portfolio (super + outside-super + property), not an 8-item quiz. Ada looks at your savings rate, emergency cushion, debt-to-income, and Age-Pension-aware retirement trajectory — then explains what each one means for your score across the four ANZ domains. Ada explains and benchmarks, never directs.
- • Calculates a real ANZ-style score from your actual Australian accounts.
- • Explains where each lever moves your score — salary sacrifice, offset balance, super catch-up, debt order.
- • Works on your numbers, so the assessment is genuinely yours.
Track your wellbeing score in Richify
Connect your accounts, take the assessment once, and watch your score move as your super balance, salary sacrifice, and outside-super investments change.
Get Richify — free on iOS & AndroidFree to start. No ads. No financial product advice.
Frequently asked questions
What is the ANZ Financial Wellbeing Index?
The ANZ Financial Wellbeing Index is a quarterly research indicator developed by ANZ Banking Group in partnership with Roy Morgan Research. It measures Australian financial wellbeing across four domains: Feeling Comfortable, Resilient, Saving for the Future, and Freedom of Choice. The index has been published since 2018 using the Roy Morgan Single Source survey (~50,000 Australians annually). The Australian average is approximately 60.3 (2023 release), and ANZ publishes annual breakdowns by age, gender, state, and homeowner status.
What is a good financial wellbeing score in Australia?
The Australian average is approximately 60.3 (ANZ FWI 2023). Above 75 puts you in the "Doing Well" band; above 90 is "No Worries" — the top tier. Below 45 is "Struggling", between 45–59 is "Getting By", and 60–74 is "Doing OK". ANZ research shows the strongest predictors of wellbeing are emergency savings and consistent retirement contributions, not absolute income above $80K.
How is the score on this page calculated?
Eight Likert items (two per ANZ domain), each scored 0–4. Each domain produces a 0–8 sub-score. The four domain sub-scores combine equal-weight into the 0–100 composite, mapped to ANZ's published band thresholds (Struggling, Getting By, Doing OK, Doing Well, No Worries). This is a Richify-built short form anchored to ANZ's published domain definitions — not the official ANZ instrument, which is administered only via the Roy Morgan Single Source survey.
How does wellbeing differ from a credit score in Australia?
Your credit score (Equifax Australia or illion) measures borrowing reliability — likelihood of repaying debt. Financial wellbeing measures whether your overall financial life works for you. A person can have an 800 credit score (perfect repayment history) and a low wellbeing score if they live paycheque-to-paycheque or feel constant money stress. Wellbeing is the more actionable measure because it points at behaviours and structure, not just balances.
How do I improve my financial wellbeing score?
ANZ research orders levers by impact: (1) build a 3-month emergency buffer in a high-interest savings account or offset account — directly raises the Resilient domain; (2) salary sacrifice into super up to the $30,000 concessional cap — raises Saving for Future plus reduces marginal tax; (3) reduce high-interest debt — Australian credit-card APRs average 19–22%, personal-loan rates 8–12%; (4) align spending with what actually matters — the Freedom of Choice domain is mostly behavioural, not income-dependent.
Does income determine financial wellbeing in Australia?
ANZ FWI research shows income explains ~17% of wellbeing variance. Above $100K household income, additional income produces diminishing returns. The strongest predictors are: emergency fund presence, super contribution rate, debt level, and homeownership status. Renters report lower wellbeing on average than homeowners at the same income, primarily because rent insecurity weakens the Freedom of Choice domain.
What is the difference between this score and the ASIC MoneySmart Financial Health Check?
ASIC's MoneySmart Financial Health Check (moneysmart.gov.au/managing-money/budgeting/financial-health-check) is a free interactive tool covering budgeting, debt, super, and insurance. It produces a checklist of actions, not a normalised score. The ANZ FWI is a quantitative 0–100 wellbeing measure designed for research and benchmarking. Both are useful — MoneySmart for "what should I do next", ANZ FWI for "how am I doing vs other Australians". This page produces an ANZ-style score.
How is wellbeing related to net worth and superannuation?
Net worth is a stock measure (assets minus liabilities); wellbeing is a state measure (how your finances function). They are correlated but distinct: someone with a low net worth but a stable job, a 6-month emergency fund, and salary sacrifice running into super can have higher wellbeing than someone with a $1M net worth but $700K of it locked in super they cannot access for 20 years. Super contributes most strongly to the Saving for Future domain.
How often should I check my wellbeing score?
Quarterly aligns with the ANZ FWI publication cycle and is frequent enough to catch a real shift (new job, baby, debt payoff, market drop) without normal fluctuation feeling alarming. Most large score moves correspond to identifiable life events. Annual check-ins paired with EOFY tax-time planning work well for Australians whose finances are otherwise on autopilot.
Is Richify financial advice?
No. Richify is a personal-finance education, tracking, and projection tool. It does not provide personal financial product advice or tax advice and is not authorised by ASIC to provide personal financial advice. The wellbeing assessment on this page is a self-reported scoring tool anchored to the public ANZ FWI methodology — it is an educational reflection exercise, not a diagnosis or regulatory measure. Verify any major financial decision with an AFSL-holder licensed financial adviser.