New Monetary Behavior Scale Test

Understand what drives your money habits in just 3 minutes. Get a fast, clear snapshot of motives and worries that can guide coaching, counseling, or self-improvement.

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Questions: 123 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

24381 view

2165 completions

1939 likes

Scale Explorer

How the Scales are Structured

example score

3/7

Financial Anxiety (FA)

Measures the degree of worry about money and hesitation in making financial decisions.

Low anxiety

Moderate anxiety

High anxiety

1 – 3.4: Low anxiety | 3.5 – 5.6: Moderate anxiety | 5.7 – 7: High anxiety

A score of 3 falls in the Low anxiety range, suggesting relatively few worries about money and generally comfortable decision-making around finances.

example score

4/7

Money as a Tool of Influence (MaaToI)

This scale measures the extent to which a person uses money to influence, control, or steer others’ behavior and outcomes.

Low influence use

Situational influence

High influence use

1 – 1.5: Low influence use | 1.6 – 4.1: Situational influence | 4.2 – 7: High influence use

A score of 4 suggests you may sometimes use money as leverage in specific situations, but it is not a dominant strategy for influencing others.

example score

3/7

Importance for Social Respect (IfSR)

Measures how strongly a person believes money is important for gaining social respect, recognition, and acceptance.

Low

Moderate

High

1 – 2.9: Low | 3 – 5.3: Moderate | 5.4 – 7: High

A score of 3 indicates a moderate tendency to link money with social respect, suggesting status matters sometimes but is not a primary driver.

example score

6/7

Financial Obsession (FO)

Measures the tendency to frequently monitor finances and market conditions and to actively seek profitable money-related opportunities.

Low

Moderate

High

1 – 2.8: Low | 2.9 – 5: Moderate | 5.1 – 7: High

A score of 6 falls in the High range, suggesting a strong focus on tracking financial status and looking for advantageous deals.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Money-anxious planners

41%OF USERS

People who worry about financial stability and want to understand what drives their stress and decisions about saving and spending.

Status and success seekers

34%OF USERS

Those who link money with respect, achievement, and recognition and want to see how strongly status motives shape their behavior.

Coaches and counselors

25%OF USERS

Psychologists, coaches, and financial educators who use a quick profile to discuss a client’s money motives, fears, and habits.

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.

Financial Anxiety (FA)

Average

Normal range

2.3 — 3.8

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.

Influence Tool (IT)

Average

4.7

Normal range

3.6 — 5.7

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.

Significance for Respect (SfR)

Average

4.8

Normal range

3.9 — 5.6

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.

Financial Obsession (FO)

Average

4.7

Normal range

3.6 — 5.8

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 assesses four money-related tendencies: financial obsession, status-based valuation of money, use of money for influence, and financial anxiety. Results indicate which tendencies are most prominent.

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

Estimated completion time is about 3 minutes. The questionnaire includes 12 items.

Who is this questionnaire appropriate for?

It is suitable for adolescents and adults, including community and workplace settings. Use requires adequate reading comprehension of the item language.

How should items be answered?

Select the response option that best reflects typical thoughts or behavior, not an ideal or preferred answer. Answer all items using the first response that seems accurate.

How should the results be interpreted?

Scores describe patterns of attitudes and concerns related to money and are not diagnostic. Interpretation is best combined with other information such as history, current stressors, and financial context.

WHAT THE TEST MEASURES

About This Assessment

New Monetary Behavior Scale Test

financial behavior

This measure assesses attitudes and behavioral tendencies related to money and everyday financial decision-making. The New Monetary Behavior Scale is a brief, self-report questionnaire designed to capture individual differences in money-related motivations and concerns.

It includes 12 items and typically requires about 3 minutes to complete. Content is commonly organized around domains such as preoccupation with money, perceived social status linked to money, use of money as a means of influence, and anxiety or worry about financial security. The scale may be used to support clinical interviewing, case formulation, or research on financial attitudes (Adrian Furnham; Thomas Li-Ping Tang).

Interpretation typically focuses on relative elevations across domains rather than any single item. Results from the New Monetary Behavior Scale should be considered alongside relevant contextual information, including socioeconomic factors, current stressors, and broader psychological functioning.

Author: Adrian Furnham, Thomas Li-Ping Tang

Literature: Tang, T. L.-P. The meaning of money revisited. Journal of Organizational Behavior. 1992.; Furnham, A., & Grover, S. A new money behavior quiz. Journal of Individual Differences. 2020.

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