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

08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

16,054 views

1,664 completions

1,354 likes

Verified by Daniel Hall

Psychologist with 25 years of experience

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.

Benchmarking

See How You Compare

Once you complete the test, your results are compared with real-world data from people in your country.
Below is a preview of how scores are typically distributed across each scale.

Financial Anxiety Scale (FAS)

Average

17.2

Normal range

14.1 — 20.3

min.

max.

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

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SAMPLE QUESTIONS

Example Questions From the Test

Most people have, at some point, worried about money—especially when they knew they might lose their job for one reason or another, or when events in the country were occurring that worsened their financial situation. Please read the list of statements below. Consider the extent to which each statement describes how you typically feel (for example, over the past month). For each statement, select the response option that best applies to you.

- True
- Not sure
- Not true
- True
- Not sure
- False
- True
- Not sure
- Not true

These are 3 of the 24 real questions — the rest appear in the test. No sign-up needed to start.

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WHAT THE TEST MEASURES

About This Assessment

Financial Anxiety Scale Test - Symptoms and Signs

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.