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What is Financial Wellbeing?

Published 1 Oct 2021

Financial wellbeing is about how comfortable and positive we feel about our money today and for the future. Find out how to improve yours.

Financial wellbeing is the extent to which someone is able to meet all their current commitments and needs comfortably, and has the financial resilience to maintain this in the future.


In other words, if 'wellbeing' is the state of being comfortable, healthy or happy, then ‘financial wellbeing’ is the state of feeling this way when it comes to our money. The more comfortable or confident we feel about our finances, the greater our financial wellbeing.

One of the key factors of wellness is how we feel about our finances. Whether we feel like we’re doing OK – or whether there’s room for improvement – our financial wellbeing forms an important part of our everyday life.

It’s really not about how wealthy we are. It’s about how comfortable and positive we feel about our money today – and for the future.

In a nutshell, financial wellbeing is:

  • How easily you can afford everyday expenses (eg. bills and loan payments) 
  • How prepared you are for an emergency (eg. large unexpected expense or fall in income) 
  • How confident you are about your financial future (eg. retirement and beyond)

How do I measure my financial wellbeing?

You can use the ANZ Financial Wellbeing Calculator to analyse your attitude to money, your confidence in the future and your resilience. It’ll give you a score out of 100 to help you gauge where you’re at right now, while giving you something to work towards over time.

Get my Score

How do I improve my financial wellbeing?

Taking steps to strengthen your financial wellbeing is a whole lot easier with the right tools, guidance and resources to support you. Simple changes and practices built into your money management can set you up with a positive ‘money’ state-of-mind.

From smart budgeting tactics and using clever ways to reduce your expenses, to making sure you’re saving for a rainy day and for the next phase of your life, there are many ways to improve your financial resilience and feel good about the future. In fact, the act of making a plan can be one of the biggest things that you can do right now to feel more confident about your finances tomorrow.

What can I do right now?

To help Aussies understand their financial knowledge and transform their attitudes and behaviours towards money, ANZ has developed the ANZ Financial Wellbeing Program – it’s free for everyone, whether you’re an ANZ customer or not.

Follow these practical steps to get started:

  1. Get your financial wellbeing score;
  2. Sign-up for the free 6-week email course to achieve simple goals each week; or
  3. Start now by following these four useful steps in your own time

The ANZ Financial Wellbeing Program also includes ways to organise your accounts, tips to manage debt, a handy savings goal calculator plus ideas on investing to grow and protect your money for now and the future.

These downloadable PDF tools and templates are also useful to help you:

Read more about ANZ’s Financial Wellbeing research here – it’s based on Professor Elaine Kempson’s work and underpins our evidence-based financial wellbeing program, which kicked off in 2002.

Ready to feel good about your finances?

Improve your Financial Wellbeing today.

Let’s go!

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The information set out above is general in nature and has been prepared without taking into account your objectives, financial situation or needs.  Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.