Financial Stress Assessment - Relief Strategies

Financial Stress Assessment

Understand your financial stress level and get personalized recommendations

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0 of 15 questions answered

This assessment takes about 3-4 minutes. Answer honestly - there are no right or wrong answers. We're here to help you understand your financial situation and connect you with the right resources.

💡 Don't Know Your Debt-to-Income Ratio?

For the most accurate assessment, we recommend calculating your DTI first. It takes just 2 minutes and is one of the most important questions in this assessment.

Calculate My DTI First (2 min)

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Income & Debt Situation

1. What is your current debt-to-income ratio (DTI)?

Under 20% (or I don't have any debt)

20-35% (healthy range)

36-43% (moderate concern)

44% or higher (high risk)

I don't know

✓ We've pre-filled your DTI from our calculator. You can change this if needed.

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Our DTI Calculator takes just 2 minutes and gives you your exact percentage. Your assessment answers will be saved so you can come right back.

Calculate My DTI (Opens in New Tab)

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2. How stable is your income?

Very stable - steady paycheck, secure job

Mostly stable - some fluctuation but manageable

Somewhat unstable - income varies significantly

Very unstable - uncertain about next paycheck

Payment Behavior

3. How are you handling your debt payments?

Paying more than minimums, making progress

Making minimum payments on everything

Making minimum on some, skipping others

Falling behind on most or all payments

4. In the last 6 months, how often have you made late payments?

Never

Once

2-3 times

More than 3 times

5. How often do you use credit cards to pay for groceries or daily necessities?

Never - I pay cash or debit

Rarely - only for convenience, pay off monthly

Sometimes - when cash is tight

Often or always - it's the only way I can afford them

6. Do you ever "juggle" bills - paying one bill late to pay another on time?

No, I pay all bills on time

Occasionally, when things are tight

Frequently - it's become a regular strategy

Constantly - I'm always behind somewhere

Emotional Impact

7. How often do you worry about money?

Rarely or never

Occasionally - maybe once a week

Frequently - several times a week

Daily or constantly

8. Does money stress affect your sleep?

No, I sleep fine

Sometimes - occasional sleepless nights

Often - I lose sleep over money regularly

Yes, significantly - money worries keep me up at night

9. Do you avoid opening bills or checking your bank account?

No, I check everything regularly

Sometimes - when I know it's bad

Often - I don't want to see the bad news

Yes, constantly - I avoid all financial statements

10. Do you ignore calls from creditors or collection agencies?

Not applicable - I don't receive those calls

I receive them rarely and handle them

Yes, sometimes - they stress me out

Yes, always - I never answer

Financial Habits & Stability

11. Are you living paycheck to paycheck?

No - I have money left over each month

Sometimes - depends on the month

Yes - money runs out before next payday

Yes - and I often run out before payday

12. Could you cover a $1,000 emergency expense without borrowing money?

Yes, easily from savings

Yes, but it would be tight

No, I'd need to use credit or borrow

No, I'm already behind and couldn't handle it

13. How often do you overdraft your bank account?

Never or extremely rarely

Once or twice a year

Several times a year

Monthly or more often

Future Financial Outlook

14. Over the past year, has your debt situation:

Improved - I'm paying it down

Stayed about the same

Gotten worse - debt is increasing

Gotten much worse - rapidly increasing

15. Are you currently saving for retirement?

Yes, consistently

Yes, but not as much as I should

No, but I plan to start soon

No, I can't afford to save anything

Please answer all 15 questions to see your results.

Key Concerns We Identified:

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