Money Story Analyzer Calculator

Identify money beliefs affecting financial behavior.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Guilt about having money (1-10)

Discomfort discussing money (1-10)

More money solves everything (1-10)

Never have enough (1-10)

Self-worth tied to wealth (1-10)

Compare finances to others (1-10)

Track every penny (1-10)

Anxiety about spending (1-10)

Tab to move between fields

Results

Dominant money script

Money avoidance (0-100)50

Money worship (0-100)50

Money status (0-100)40

Money vigilance (0-100)50

Secondary money script2

Financial health tendency (0-100)54

Belief balance (0-100)87

Self-sabotage risk (0-100)42

How to Use This Calculator

Rate each money belief question on a 1–10 scale based on how strongly it resonates with you.
Answer honestly — there are no right or wrong answers; the goal is self-awareness.
Review your Dominant Script (avoidance, worship, status, or vigilance) to identify your core money belief pattern.
Check Self-Sabotage Risk — a high score suggests unconscious beliefs may undermine your financial goals.
Use the Secondary Script and Balance Score to understand the nuance of your money psychology.

How the result changes with Track every penny (1-10)

Track every penny (1-10)	Dominant money script
1.9	1
4.15	1
6.85	4
9.1	4

What each input means

Guilt about having money (1-10): How much guilt do you feel about earning, having, or spending money?
Discomfort discussing money (1-10): How uncomfortable are you talking about money with family/friends?
More money solves everything (1-10): How strongly do you believe more money would solve your problems?
Never have enough (1-10): How often do you feel you never have enough money regardless of income?
Self-worth tied to wealth (1-10): How much does your net worth affect how you feel about yourself?
Compare finances to others (1-10): How often do you compare your financial situation to peers?
Track every penny (1-10): How meticulously do you track your spending and finances?
Anxiety about spending (1-10): How much anxiety do you feel when making purchases, even affordable ones?

What each result means

Dominant money script: Your primary money belief pattern: 1=Avoidance, 2=Worship, 3=Status, 4=Vigilance.
Money avoidance (0-100): Belief that money is bad or you don't deserve it. High scores correlate with under-earning and financial neglect.
Money worship (0-100): Belief that more money = more happiness. High scores correlate with overspending and workaholism.
Money status (0-100): Equating net worth with self-worth. High scores correlate with overspending to impress.
Money vigilance (0-100): Watchfulness about money. Moderate is healthy; very high correlates with financial anxiety.
Secondary money script: Your second-strongest money belief pattern.
Financial health tendency (0-100): Overall tendency toward healthy financial behavior. Higher is better.
Belief balance (0-100): How balanced your money scripts are. Higher = more balanced perspective.
Self-sabotage risk (0-100): Risk of unconsciously undermining your financial goals due to unhealthy money beliefs.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Guilt about having money (1-10) = 5, Discomfort discussing money (1-10) = 5, More money solves everything (1-10) = 5, Never have enough (1-10) = 5 = 8 input(s) provided
Calculate Dominant money script
Dominant money script
1 = 1
Calculate Money avoidance
Money avoidance
50 = 50
Calculate Money worship
Money worship
50 = 50