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What do you actually know about money?

Ten questions, about three minutes. At the end you get a breakdown across five areas — budgeting, credit, investing, tax and economics — and a straight answer about where your gaps are.

Nothing is stored. Your answers are scored and discarded, and you are not asked for an email address to see the result.

Question 1 of 10 · Budgeting & saving

You take home $2,400 a month. Using the 50/30/20 guideline, roughly how much should go to needs like rent, food and transport?

Question 2 of 10 · Budgeting & saving

An emergency fund is usually described as how much?

Question 3 of 10 · Credit & debt

A credit card charges 24% APR. You carry a $1,000 balance for a year and pay nothing. Roughly what do you owe?

Question 4 of 10 · Credit & debt

Which of these usually moves a credit score the most?

Question 5 of 10 · Investing basics

What does diversification actually reduce?

Question 6 of 10 · Investing basics

An index fund charges 0.04% a year and an actively managed fund charges 1%. On $10,000 over 30 years at 7%, roughly how much does that difference cost you?

Question 7 of 10 · Taxes & income

You are in the 22% tax bracket and get a raise that pushes part of your income into the 24% bracket. What is taxed at 24%?

Question 8 of 10 · Taxes & income

What is the difference between a tax deduction and a tax credit?

Question 9 of 10 · Economic concepts

Inflation runs at 3% and your savings account pays 1%. What is happening to your money?

Question 10 of 10 · Economic concepts

You spend a Saturday working an unpaid internship instead of a $120 shift. What is the opportunity cost?