How to take the test

1. Tap “Start the test”.
2. Answer 15 multiple-choice questions. Questions 1 to 5 are easy, 6 to 10 medium and 11 to 15 tricky.
3. Each tap moves you to the next question. There is no time limit.
4. At the end, see your score out of 100 and your level.
5. Scroll to “Your answers” to see which you got right, the correct answer and a short explanation for each.

How scoring works

Harder questions count more. Each easy question is worth 1 point, medium 1.5 and tricky 2, for 22.5 points in all. Your points are turned into a score out of 100.

Worked example

Meera gets all 5 easy questions, 4 medium and 3 tricky ones right. That is 5 + 6 + 6 = 17 points out of 22.5. Her score is 76 out of 100, which puts her at Money Pro.

Notice that missing two tricky questions costs more than missing two easy ones. To move up a level, focus on the harder topics.

What your result means

• 85 and above: Money Master.
• 65 to 84: Money Pro.
• 40 to 64: Smart Learner.
• Below 40: Money Beginner. Everyone starts somewhere.
• Your best score is saved in your browser, so you can track progress when you retake it.
• This test is for learning only. It is not a credit score or a rating of you.

Questions people ask

What topics does it cover?

Assets and debts, compounding, inflation, credit scores, insurance terms like co-pay, fees, loan interest and the Rule of 72.

Do I need to sign up?

No. It is free with no login. Results stay on your device unless you choose to share them.

How can I raise my score?

Read the explanations for every question you missed, then play the Daily Money Quiz for a few days and retake the test.

This content is for general education only and is not financial, investment, tax or legal advice. Please consult a qualified professional before making financial decisions.