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For Financial Wellbeings

They walk among us. Ordinary people who make savvy money decisions and feel extraordinary. If you always say  ‘I got it on sale’  you may be one. And if you’re not one already, we have the tools to give you the power.

Let’s start by seeing what level you’re at and check your Financial Wellbeing score. 12 questions. 5 mins. Too easy.

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 program is designed to help you become a Financial Wellbeing (or a better one) in six easy steps. Each step is packed with powerful insights and practical tools to help you unlock greater confidence. You can do them in your own time and at your own pace, no matter who you bank with. And it’s free. A true Financial Wellbeing will love that.

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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 six-week email course and receive weekly challenges, coaching, tips and tools direct to your inbox. It’s all you need to become a Financial Wellbeing on another level.

Sign up now


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

What is Financial Wellbeing?

Financial Wellbeings walk among us. Ordinary people who make savvy money decisions and feel extraordinary. You may be one, or you might know one. They’re confident in doing more with their money, and that adds up to a whole lot. Your Financial Wellbeing score 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. To find out more about what Financial Wellbeing is, click here. Or if you’d like to know how to become one, or a better one, this article’s for you.

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.