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Money Personality Type Test

Ken Honda, an international best-selling author and finance expert, has identified seven money personality types. According to Honda, we all fall into a combination of these types. Understanding your money personality can help you become more self-aware of your financial tendencies and behaviors.

What is your money personality type? For each of the following questions, indicate how well it applies to you below.

Question 1 of 35

I take big risks with my money.



The IDRlabs Personality Type Test (IDR-PTT) was developed by IDRlabs. The IDR-PTT is based on the work of Ken Honda who wrote the book, “Happy Money”. The IDR-PTT is not associated with any specific researchers or authors in the field of social psychology, personality psychology, or any affiliated research institutions.

The IDRlabs Personality Type Test was informed by the book, “Happy Money”, published by Honda, K. (2019). Happy Money: The Japanese Art of Making Peace with Your Money. Gallery Books.

Ken Honda is a Japanese author and personal finance expert who has identified several "money personalities" that people may have. These personalities can influence the way people approach money and their financial decisions. It is worth noting that people may exhibit traits from multiple money personalities, and it's possible to develop healthy habits and attitudes towards money regardless of your initial tendencies. This can allow you to recognize patterns and habits that may be hindering your financial goals and make adjustments accordingly.

Knowing your money personality can help you make better financial decisions that align with your values and priorities. For example, if you tend to be a spender, you may need to work on creating a budget and saving more money. If you tend to be a saver, you may need to work on enjoying your money and taking more calculated risks.

Understanding your money personality can also help you communicate better with others about money. For example, if you're in a relationship and your partner has a different money personality than you, understanding your differences can help you find common ground and work together towards shared financial goals.

The work of Ken Honda has also informed some of the diagnostic criteria in the form of the aforementioned book. The present test is intended for educational purposes only. IDRlabs and the present IDRlabs Money Personality Test are independent from the above author, researcher, or any affiliated institutions.

The Money Personality Test is based on a well-known book on money and happiness. However, free online tests and quizzes such as this one are solely first takes and cannot provide accurate assessments of your specific emotional or relationship status. Hence, the test is intended to be used for educational purposes only. A definitive assessment can be made only by a qualified professional.

As the publishers of this free online Money Personality Test, which allows you to screen yourself for the characteristics of this relationship, we have strived to make the test as reliable and valid, as possible, by subjecting this test to statistical controls and validation. However, free online quizzes such as the present Money Personality Test do not provide professional assessments or recommendations of any kind; the test is provided entirely “as-is.” For more information about any of our online tests and quizzes, please consult our Terms of Service.

Why Use This Test?

1. Free. This Money Personality Test is delivered to you free of charge and will allow you to obtain your scores related to your beliefs and emotions about money.

2. Statistical controls. Statistical analysis of the test is conducted to ensure maximum accuracy and validity of the test scores.

3. Made by professionals. The present test has been made with the input of people who work professionally with psychology and individual differences research.