Financial Anxiety Scale Test

Understand how strongly money stress shapes your choices and relationships in about 5 minutes. A quick 24-item check that pinpoints where anxiety hits most so you can target support and coping steps.

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Questions: 245 minutes

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08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

13177 views

1317 completions

1122 likes

Scale Explorer

How the Scales are Structured

example score

14/24

Financial Anxiety Scale (FAS)

Measures a person’s tendency to experience anxiety in financial situations and money-related interactions.

Low

Moderate

High

0 – 6: Low | 7 – 13: Moderate | 14 – 24: High

A score of 14 falls in the High range, suggesting a pronounced tendency to feel anxious about money-related situations.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Stressed Budget Managers

41%OF USERS

People who constantly track expenses yet still feel tense about bills, savings, and making the “right” money choices.

Life Transition Planners

34%OF USERS

Those facing a big change—new job, relocation, marriage, breakup, or parenthood—and want to understand how money worries shape their decisions.

Money Talk Avoiders

25%OF USERS

People who feel anxious during financial conversations with partners, family, or colleagues and want clarity on what triggers their reactions.

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.

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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 Scale (FAS)

Average

17.2

Normal range

14.1 — 20.3

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 scale measure?

It measures a stable tendency to feel anxious in money-related situations and financial interactions with other people. It focuses on enduring patterns rather than short-term worry.

How should responses be selected?

Select the option that best matches how the statement generally applies, not how it felt during a single event. Answer all items and avoid overthinking individual questions.

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

It includes 24 statements and typically takes about 5 minutes to complete.

What kinds of situations are covered by the items?

Items address anxiety related to budgeting, paying, saving, debt, and unexpected expenses. They also cover discomfort in financial communication and dependence in financial relationships.

How should results be interpreted?

Scores indicate the relative intensity of financial anxiety and the areas where it is most pronounced. Results support screening and treatment planning but do not provide a diagnosis by themselves.

WHAT THE TEST MEASURES

About This Assessment

Financial Anxiety Scale Test

financial behavior uneasiness

This measure assesses anxiety responses and worry patterns related to money and financial situations. The Financial Anxiety Scale is designed to quantify the extent to which financial concerns are experienced as distressing and may influence everyday decision-making. It consists of 24 items and typically requires about 5 minutes to complete.

Items focus on cognitive and affective reactions to common financial contexts (e.g., spending, budgeting, financial planning, and uncertainty). Results from the Financial Anxiety Scale may be used to support clinical formulation and treatment planning by identifying the prominence of financial worry and its potential impact on functioning. Authors: R. L. Leahy, J. E. Maddux, and E. A. Foa.

Author: E. A. Foa, J. E. Maddux, R. L. Leahy

Literature: Furnham, A. The psychology of money. Routledge. 2014.; Leahy, R. L. The worry cure: Seven steps to stop worry from stopping you. Harmony Books. 2005.

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