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Personal Financial Autonomy Scale

Personal Financial Autonomy Scale Test

Learn in 2 minutes how independently you make money decisions, manage spending, and own the outcomes. Get a clear snapshot you can use right away in coaching, therapy, or career planning.

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Questions: 92 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

28242 views

3362 completions

2819 likes

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How the Scales are Structured

example score

27/45

Financial Autonomy (FA)

Measures how independently a person makes financial decisions, manages their budget, and takes responsibility for money-related outcomes.

Low autonomy

Moderate autonomy

High autonomy

9 – 27: Low autonomy | 28 – 42: Moderate autonomy | 43 – 45: High autonomy

A score of 27 suggests lower financial autonomy, with a greater likelihood of relying on others’ input or experiencing difficulty consistently controlling spending and decisions.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Young professionals budgeting solo

41%OF USERS

People early in their careers take it to see how independently they make money decisions, control spending, and handle the consequences.

Couples planning shared finances

34%OF USERS

Partners use it to understand each person’s autonomy around money, boundaries with family opinions, and comfort with joint financial choices.

Coaches and helping professionals

25%OF USERS

Practitioners take it for a quick snapshot of a client’s financial independence to guide coaching, therapy goals, or career planning.

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 Autonomy (FA)

Average

26.1

Normal range

21 — 31.2

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.

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CLEAR ANSWERS TO COMMON QUESTIONS

Frequently Asked Questions

Any questions left?

What does this questionnaire measure?

It assesses financial autonomy, including independent decision-making, resistance to external influence, budget control, and responsibility for outcomes.

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

Typical completion time is about 2 minutes. It includes 9 items.

How should items be answered?

Rate each statement based on typical habits and reactions rather than rare situations. Answer all items using the first response that fits.

How are results interpreted?

Higher scores generally indicate greater independence and self-directed financial control. Lower scores may indicate stronger reliance on others’ opinions or weaker budget management.

Can results be used in professional settings?

Results may support coaching, psychotherapy, and career guidance by identifying strengths and targets for change. They are not a substitute for a full clinical or financial assessment.

WHAT THE TEST MEASURES

About This Assessment

Scale of Personal Financial Autonomy Test

Personal Financial Autonomy Scale Test

financial behavior

This measure assesses perceived independence and self-determination in money-related decision-making. The Personal Financial Autonomy Scale is intended to capture the extent to which an individual experiences choice, personal control, and responsibility in managing finances.

The instrument includes 9 items and typically takes about 2 minutes to complete. Items are self-report and can be used to support clinical intake, case formulation, or coaching-oriented discussions when financial stress, dependence, or externally driven spending patterns are clinically relevant. Original attribution is to E. S. Deci and R. M. Ryan.

Interpretation is generally based on the pattern and level of endorsed autonomy-related statements, with attention to contextual factors that may constrain financial choice (e.g., caregiving obligations, income instability). Results from the Personal Financial Autonomy Scale should be integrated with other clinical information rather than used as a standalone indicator of financial functioning.

Author: E. S. Deci, R. M. Ryan

Literature: Xiao, J. J., & Dew, J. Financial management behavior, financial satisfaction, and life satisfaction: Testing the mediating role of financial capability. Journal of Family and Economic Issues. 2011.

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