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Klontz Money Attitudes Questionnaire

Klontz Money Attitudes Questionnaire Test

Understand the money beliefs driving your choices and emotions in about 6 minutes. Get a clear snapshot of spending and saving patterns to guide coaching, budgeting, and conflict resolution.

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Questions: 296 minutes

Hi! My name is Freudly, i am an AI therapist, I will give you an interpretation of the test after you complete it.

08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

28949 views

1928 completions

1706 likes

Scale Explorer

How the Scales are Structured

example score

3/6

Money Vigilance (MV)

Measures how vigilant and cautious a person is about money, including privacy about finances and distrust of financial institutions.

Low vigilance

Moderate vigilance

High vigilance

1 – 2.86: Low vigilance | 2.87 – 4.53: Moderate vigilance | 4.54 – 6: High vigilance

A score of 3 falls in the moderate range, suggesting a balanced level of caution and privacy about money without strong fear-driven guarding of finances.

example score

4/6

Money Worship (MW)

Measures the extent to which a person believes money can solve problems and tends toward hoarding or money-centered thinking.

Low

Moderate

High

1 – 2.89: Low | 2.9 – 4.6: Moderate | 4.61 – 6: High

A score of 4 falls in the Moderate range, suggesting a noticeable but not dominant tendency to view money as a key solution and to hold onto it for security.

example score

4/6

Money as Status (MaS)

Measures the extent to which a person links money with social status and judges themselves or others based on financial standing.

Low

Moderate

High

1 – 1.58: Low | 1.59 – 3.01: Moderate | 3.02 – 6: High

A score of 4 falls in the High range, suggesting you relatively often view money as a marker of status and may place more importance on financial standing in evaluations and decisions.

example score

3/6

Money Avoidance (MA)

Measures the tendency to avoid dealing with money and to hesitate to spend even on necessary purchases.

Low avoidance

Moderate avoidance

High avoidance

1 – 1.58: Low avoidance | 1.59 – 2.85: Moderate avoidance | 2.86 – 6: High avoidance

A score of 3 falls in the High avoidance range, suggesting a stronger tendency to sidestep money-related decisions and feel reluctant to spend, even when spending may be necessary.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Personal finance self-improvers

41%OF USERS

People who want to understand why they save, spend, or avoid money decisions and build healthier financial habits.

Couples with money tension

34%OF USERS

Partners who argue about budgeting, spending, or debts and want a clearer picture of each person’s money beliefs.

Coaches and therapists

25%OF USERS

Professionals who work with clients on stress, self-esteem, or behavior change and need a quick profile of money attitudes.

BASED ON AGGREGATED, ANONYMIZED DATA FROM TENS OF THOUSANDS OF FREUDLY USERS.

RESULTS YOU CAN ACTUALLY USE

What You’ll See After You Finish the Test

Scale Results
— Explained Clearly

Your scores across each test scale, translated into plain, usable insights. Not just numbers, but what they actually mean for your daily life, emotional state, and overall well-being.

AI-Powered
Interpretation

A structured, clinically grounded explanation. Our AI analyzes patterns and relationships between scales to provide a coherent interpretation — without alarmist language.

Statistical
Comparison

See how you compare to others. Your scores are placed in a statistical context, showing percentiles and trends based on anonymized platform data to help you understand what`s typical.

Practical
Recommendations

Actionable guidance tailored to your profile. Receive clear, realistic suggestions you can apply immediately — focused on coping, self-regulation, and realistic next steps.

AI-Detected
Insights

Key patterns you might not notice on your own. Surfacing subtle connections in your responses that help you better understand what may be driving your current results.

Discuss with
an AI Psychologist

Clarify, reflect, and explore right away. Talk through your outcomes, ask questions, and explore meanings in a calm, non-diagnostic dialogue environment.

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Used in 52+ countries

Benchmarking

See How You Compare

Once you finish the test, your results will be compared with real-world data from people in your country.
Below is a preview of the benchmarks we use to place your score in context.

Worrying About Money (WAM)

Average

3.2

Normal range

2.4 — 3.9

min.

max.

majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear here so you can see where you land.

Worship of Money (WoM)

Average

3.5

Normal range

2.9 — 4.1

min.

max.

majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear here so you can see where you land.

Money as Status (MaS)

Average

2.3

Normal range

1.3 — 3.2

min.

max.

majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear here so you can see where you land.

Avoidance of Money (AoM)

Average

3.9

Normal range

3.2 — 4.7

min.

max.

majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear here so you can see where you land.

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CLEAR ANSWERS TO COMMON QUESTIONS

Frequently Asked Questions

Any questions left?

What does this questionnaire measure?

It measures attitudes and beliefs about money that can influence emotions and financial behavior. It identifies common patterns such as avoidance, anxiety, or control needs.

How long does it take to complete and how many items are included?

Completion typically takes about 6 minutes. It includes 29 statements.

How should items be answered?

Select the response option that best matches how true each statement is in general. Answer all items and avoid spending too much time on any single item.

What topics are covered by the statements?

Items address themes such as fear of loss, saving and spending preferences, guilt or shame related to money, and comfort with financial risk. They also include rules or prohibitions learned about money.

How are results used?

Results provide a brief profile of money-related beliefs and behavior tendencies. Findings may support counseling, coaching, financial planning discussions, or work on family conflict related to money.

WHAT THE TEST MEASURES

About This Assessment

Klontz Money Attitudes Questionnaire Test

financial behavior

Financial attitudes and beliefs can shape decision-making and emotional responses related to spending, saving, and financial risk. The Klontz Money Attitudes Questionnaire is a brief self-report measure designed to help identify patterns in how an individual relates to money (Ted Klontz, Bradley T. Klontz, & Rick Kahler). It includes 29 items and typically takes about 6 minutes to complete.

Results are generally used to support clinical formulation and discussion of money-related cognitions and behaviors, such as avoidance, anxiety, restraint, or rigid rules about spending. The Klontz Money Attitudes Questionnaire can be considered as one component of a broader assessment and should be interpreted in the context of presenting concerns, clinical history, and other relevant measures.

Author: Bradley T. Klontz, Rick Kahler, Ted Klontz

Literature: Furnham, A. The psychology of money. Routledge. 1996.

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