Financial harmony is a cornerstone of a healthy marriage. Couples who communicate openly and work together on financial matters are better equipped to handle life’s challenges and achieve shared goals. This evaluation is designed to help married couples assess the strengths and weaknesses of their financial partnership. By reflecting on these areas, couples can identify opportunities for growth, improve communication, and build a more secure future together.

Instructions:
Read each statement carefully and rate how true it is for your marriage using the following scale:

  • 4 = Always true

  • 3 = Often true

  • 2 = Sometimes true

  • 1 = Rarely true

  • 0 = Never true or Not applicable

Evaluation Items

  1. We openly discuss our financial goals and dreams for the future.

  2. We both know the details of our income, expenses, debts, and assets.

  3. We agree on a monthly or annual budget and stick to it.

  4. We make major financial decisions together.

  5. We regularly review our financial situation as a couple.

  6. We have a shared understanding of what constitutes a “major purchase.”

  7. We are both satisfied with how financial responsibilities are divided.

  8. We are honest with each other about our spending habits.

  9. We have a plan for paying off debt and work together to achieve it.

  10. We save regularly for emergencies and future needs.

  11. We agree on how much to save, spend, and give (charitable donations, tithing, etc.).

  12. We have discussed and agreed on our approach to borrowing and credit cards.

  13. We respect each other’s financial priorities and preferences.

  14. We handle disagreements about money calmly and constructively.

  15. We avoid hiding purchases or financial information from each other.

  16. We have discussed our financial backgrounds and how they influence our attitudes.

  17. We have a plan for retirement and long-term financial security.

  18. We have adequate insurance (health, life, property, etc.) to protect our family.

  19. We have discussed and planned for inheritance, wills, and estate matters.

  20. We support each other’s career and earning potential.

  21. We agree on how to help or support extended family financially, if needed.

  22. We regularly pray together about our finances and seek God’s guidance.

  23. We are content with our current financial situation.

  24. We are able to give generously without resentment or conflict.

  25. We have a plan for handling unexpected expenses or emergencies.

  26. We celebrate financial successes and milestones together.

  27. We are both involved in managing our financial accounts and paperwork.

  28. We have discussed financial expectations regarding children (allowances, education, etc.).

  29. We feel like equal partners in financial decision-making.

  30. We trust each other completely when it comes to money.

Scoring Key

  • 91–120: Excellent! You have a strong financial partnership. Keep up the great work and continue communicating.

  • 61–90: Good. You’re doing well, but there are a few areas to strengthen. Discuss any lower-scoring items together.

  • 31–60: Fair. There are some significant areas for growth. Consider setting goals and seeking guidance if needed.

  • 0–30: Needs Attention. Major issues may be present. Consider working with a counselor or financial advisor to address concerns.

How to Use This Tool

Each spouse should complete the evaluation separately, then compare answers and discuss any differences. Use your results to celebrate strengths and identify areas to grow together as stewards of God’s resources and partners in life.