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Check your Financial Wellbeing Score today

Get on top of your money and improve your financial wellbeing with our useful tips and tools.

First step? Understand where you’re currently at by getting your Financial Wellbeing Score.

Get your score

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How do I start?

Start off by getting your score. That way, you can see where you’re currently at with your money. Once you’ve done that, you can then start building habits to help ensure you can cover your everyday expenses comfortably and be prepared for any unexpected emergencies. The ANZ Financial Wellbeing program is designed to help you get there.

First step – get my score

What is the Financial Wellbeing Program?

The ANZ Financial Wellbeing Program is made up of six steps filled with useful tools and ideas to help you change your money habits for the better and improve your financial wellbeing. You can do them in your own time and at your own pace, no matter who you bank with.

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1. Know where you're at

Calculate your Financial Wellbeing Score.

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2. Plan your spend

Understand where your money goes.

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3. Manage your debt

Make a plan to tackle your debt.

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4. Set a savings goal

Visualise where you’re going with a savings goal.

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5. Organise your accounts

Let’s bring it all together with a strong budget.

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6. Invest in your future

Grow your wealth today.

Join the free ANZ Financial Wellbeing Challenge

Join our free 6-week email course and receive weekly challenges, coaching, knowledge, tips and tools direct to your inbox. It’ll help you get on top of your money and feel financially fit.

Sign up now


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Read tips, tricks and stories to help you along your path to better financial wellbeing.

What is Financial Wellbeing?

In a nutshell, financial wellbeing is a measure of how comfortably you’re able to meet your current commitments and whether you can continue to do this in the future. It recognises that our ability to understand how money works and how to manage it can impact our behaviour, attitude to money, our sense of security and how we cope with change.

Where does Financial Wellbeing come from?

Informed by research conducted by domestic and international industry thought leaders, including Professor Elaine Kempson from the Personal Finance Research Centre (PFRC) at the University of Bristol, ANZ has developed the Financial Wellbeing Program to help Australians understand their financial literacy and transform their attitudes and behaviours towards money.

Read more about ANZ's Financial Wellbeing research.

More support

Financial difficulty

We may be able to provide you with assistance depending on your circumstances.

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New to money management? Get started with these basics.

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Saver Plus Program

Complete the program and ANZ will match your savings, up to $500, toward education-related expenses for you or your children. Find out if you're eligible to participate.

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The ANZ Financial Wellbeing Calculator (“Calculator”) is a tool provided for illustrative and educational purposes only.  The results generated by using the Calculator are a guide only and are based only on the information you have provided. We may provide you with links to general articles and tools that may help you but any advice does not take into account your objectives, personal needs and financial circumstances, and does not constitute financial advice or a recommendation.  ANZ does not endorse or approve any results calculated using the Calculator. Before considering if any product is right for you, you should take into account your personal needs and financial circumstances and consider whether it is appropriate for you.

ANZ does not use the information you provide for the purpose of assessing any application.