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Free Financial Stress Test (APA)

A check-in on how money worry is affecting your body and mind. This is a health assessment, not a budgeting quiz.

2 min6 questionsBased on APA-informed financial stress health compositeFree & private

Join 1,247 women who explored how financial stress affects their health

Understanding Your Financial Stress

A check-in on how money worry is affecting your body and mind. This is a health assessment, not a budgeting quiz.

Your severity level — mild, moderate, or significant
What’s driving YOUR financial stress specifically
A personalized next step from Dr. Wellls

3,033 women got their profile this month

Free · 5 min · 100% private

This is not a clinical assessment. For medical concerns, consult a healthcare provider.

About This Assessment

Informed by APA Stress in America research, Bankrate Financial Security Survey (2025), and 45 peer-reviewed sources

This financial stress test uses 6 evidence-based questions informed by the APA-informed financial stress health composite to evaluate the severity and impact of financial stress on your daily life. Your score is calculated from multiple dimensions including symptom frequency, intensity, and functional impact.

This is a health screening tool, not financial advice. Financial stress has documented physiological consequences (APA). If you're experiencing financial hardship, 211.org connects to local resources.

Understanding Your Score

Manageable Strain(Score 1-3)

Your financial stress is present but contained. That does not mean it is not affecting your body. The APA has documented money as the number one stressor in America for over a decade, and even moderat

Significant Financial Stress(Score 4-6)

The money stress has crossed from background noise into something that is actively damaging your health. The sleep disruption, the physical symptoms, the way it bleeds into relationships and self-care

Financial Distress Crisis(Score 7-10)

What you described is not 'being bad with money.' It is living under conditions that your body was never designed to sustain. Shonkoff's research calls this economic toxic stress: persistent financial

Frequently Asked Questions

What does this financial stress test measure?

This financial stress test uses 6 evidence-based questions informed by the APA-informed financial stress health composite to assess the severity and impact of financial stress on your daily life. It evaluates multiple dimensions including symptom frequency, intensity, and how they affect your wellbeing.

How accurate is this financial stress test?

This screening tool is informed by the APA-informed financial stress health composite, a clinically validated instrument (APA Stress in America Survey (2024); Sweet, E. et al. (2013). The relationship of debt to asset ratio to health outcomes. SSM - Population Health.). While it provides a reliable indication of severity, it is not a diagnostic tool. For clinical diagnosis, consult a qualified healthcare provider.

Is this a medical diagnosis?

No. This is a screening tool, not a diagnosis. It provides an indication of financial stress severity that you can discuss with your healthcare provider. For clinical diagnosis, consult a qualified medical professional. You can bring your results to your next doctor visit as a conversation starter.

How long does this financial stress test take?

This assessment takes approximately 2 minutes to complete. It contains 6 evidence-based questions. Your results are immediate, private, and include personalized recommendations.

What should I do with my results?

Your results include a severity score and personalized recommendations. We suggest: (1) reviewing your score and what it means, (2) reading our in-depth article about financial stress at wellls.com/problems/financial-stress, (3) discussing your results with a healthcare provider, and (4) exploring our evidence-based lifestyle medicine recommendations for managing financial stress.

Read the full financial stress article

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This self-assessment is for informational purposes only and does not constitute medical advice, diagnosis, or treatment. Always seek the advice of your physician or qualified health provider with any questions about a medical condition. If you are in crisis, call 988 (Suicide & Crisis Lifeline) or text HOME to 741741 (Crisis Text Line).