Money Decision JudgmentYou know what compound interest is. So why is the savings account still empty?
A behavioural money assessment: 30 quick exercises reveal the instincts — present bias, loss aversion, overconfidence, herd, mental accounting — that actually decide what you do with money.
Financial literacy tests measure knowledge. This measures instincts.
Eighteen everyday money situations where a sensible person could reasonably go either way: the bonus that arrives, the friend's hot investment tip, the limited-time loan offer, the emergency the savings were supposed to cover. Your choices are scored against the published evidence in behavioural economics.
The Money Map is a scoring design built for this assessment: every option carries a hidden behavioural-bias signature and a time-horizon weight. The report names your dominant money instinct and shows your decisions plotted across four life domains — saving and spending, borrowing, investing, protection.
It is deliberately affordable, honest, and short — 25 minutes — because the point is not to sell you a course. It is to show you, precisely, which instinct is writing your financial story.
What you walk away with
Present bias, loss aversion, overconfidence, herd-following or mental accounting — identified from the choices you actually made, with the situations that revealed it.
Whether your money choices favour this month or the next decade, computed from the hidden time-horizon weight on every pick.
Your decisions plotted across saving and spending, borrowing and credit, investing and risk, and protection and planning — showing which lane your instincts serve and which they sabotage.
A short self-check compared against your demonstrated choices — do you actually know how you behave with money?
For your dominant bias, the specific, evidence-backed counter-moves that work — automation, framing, cooling-off rules — not generic budgeting advice.
Inside your report
Illustrative sample — your report is generated from your own responses.
Built for
- Students and early-career professionals building money habits that will compound for decades
- Anyone who knows the theory and still wonders where the salary goes
- Educators and employers running financial-wellness programmes
See your Money Map
30 quick exercises · about 25 minutes · full bespoke report for less than a takeaway coffee run.
Take free · full report ₹249 (incl. GST)
Frequently asked questions
What you would actually do with money across four domains — saving and spending, borrowing and credit, investing and risk, protection and planning — through 18 realistic situations plus select-all, number-reading and self-check exercises.
A scoring design built for this assessment: every option carries a hidden behavioural-bias signature (present bias, loss aversion, overconfidence, herd, mental accounting) and a time-horizon weight. Together they name your dominant instinct and plot your choices across the four domains.
No. Two items ask you to read simple numbers; everything else is everyday judgment. The difficulty is in the choices, not the vocabulary — it is written in plain English for students and professionals alike.
About 25 minutes for 30 scored exercises. Your Money Map report is generated immediately and can be downloaded as a colour PDF.
It is priced as an accessible entry assessment — full scoring science, bespoke report, honest price — because money judgment is a skill everyone deserves to see clearly, especially early in a career.
Each one takes a single capability, puts you inside the situations where it is actually tested, and scores your choices against published evidence — with a report designed for that capability alone, not a template. They span hiring, compliance, education, operations and personal skill.
Browse the catalogue →Methodology: Measures applied personal-finance judgment through original situational items keyed to behavioural-economics evidence: present bias and hyperbolic discounting (Laibson, 1997; O'Donoghue & Rabin, 1999), loss aversion and prospect theory (Kahneman & Tversky, 1979), mental accounting (Thaler, 1985, 1999), overconfidence and trading outcomes (Barber & Odean, 2000, 2001), herding and social influence in financial decisions (Shiller, 2000; Bikhchandani & Sharma, 2001), the disposition effect (Shefrin & Statman, 1985; Odean, 1998), the evidence on low-cost diversified investing (Fama & French, 2010; Sharpe, 1991), emergency-fund and buffer-stock saving research (Lusardi, Schneider & Tufano, 2011), the OECD/INFE financial literacy and behaviour framework (2020, 2023), the 'Big Three' financial-literacy measures (Lusardi & Mitchell, 2014), consumer-protection guidance on fraud red flags (FTC and FCA consumer guidance), and default-effect research in retirement saving (Madrian & Shea, 2001). Money Map is an original scoring design: each option carries a behavioural-bias signature and a time-horizon weight aggregated separately from the quality key. Items are original works; no commercial instrument is reproduced, and no item depends on the tax or product rules of any one country.