How Am I Doing Financially?

Take this quiz to find out!
Kikoff This quiz was independently created by wikiHow and sponsored by Kikoff.

Credit, budgets, savings, net worth… figuring out where you stand financially can actually be pretty confusing! Luckily, we’ve created this quiz to help you make sense of it all.

Just answer a few simple questions, and we’ll help you get a better idea of how you’re doing financially, so you can take any steps that might be necessary to reach your financial goals. Hit that “Start Quiz” button to get started!

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Questions Overview

1. How does your spending compare to your income?
  1. My spending is a lot less than my income.
  2. My spending is a little less than my income.
  3. My spending is about equal to my income.
  4. My spending is more than my income.
2. Do you pay all your bills on time?
  1. Yes, I always pay all of my bills on time.
  2. Mostly, but I’m late on 1 or 2 once in a while.
  3. Not really. I pay some on time, but I’m late on some.
  4. I’m usually late on most of my bills.
3. Do you set aside part of your income to savings?
  1. Yes, part of my income automatically goes to savings.
  2. I do when I can afford to, but sometimes I can’t.
  3. No. After my expenses, there’s nothing left over for savings.
4. How long could you afford to cover your current expenses if you suddenly didn’t have income?
  1. 6 months or more
  2. 3-5 months
  3. 1-2 months
  4. 3 weeks or less
5. What is your current debt situation (student loans, mortgages, personal loans, credit card debt, etc.)?
  1. I don’t have any debt.
  2. I have some debt, but it’s manageable.
  3. I have a fair amount of debt.
  4. I have a lot of debt.
6. Do you have any money set aside in case of an emergency (car repair, home maintenance issue, etc.)?
  1. Yes, I do.
  2. I have some set aside, but not a lot.
  3. No, I don’t.
7. Do you pay off your credit cards in full every month?
  1. Yes, always.
  2. Sometimes.
  3. No, never.
  4. I don’t have credit cards.
8. Do you have a system for tracking your spending?
  1. Yes, I do.
  2. No, I just wing it.
9. Do you feel like you’re able to plan ahead financially?
  1. Yes, I’m planning ahead and actively working toward my goals.
  2. Kinda, but I can't always stick to my plan.
  3. No, not at all. I feel like I’m just getting by financially.
10. What is your credit score?
  1. Exceptional (800-850)
  2. Very Good (740-799)
  3. Good (670-739)
  4. Fair (580-669)
  5. Poor (300-579)
  6. I don’t know

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