How long does this quiz take?

It takes about 3-5 minutes to complete.

Are my responses private?

Yes, all answers are anonymized and confidential.

Can I take this test more than once?

Yes, you can retake the test any time to see how your results may have changed.

Will this quiz tell me if I am financially unfaithful?

Yes, your results will indicate your tendency towards financial infidelity and highlight specific behaviors that may be problematic.

Can my results help my relationship?

Absolutely; identifying these behaviors is the first step toward initiating constructive conversations and rebuilding financial trust.

Assess the financial transparency and trust in your romantic relationship with this short psychological tool.

Financial Infidelity Scale

Are hidden expenses and secret savings damaging your relationship?

By Mark Travers, Ph.D. | Last Updated: December 18, 2025

Reviewed by Jourdan Travers, LCSW

Financial infidelity occurs when partners hide financial behaviors, such as spending, saving, or debt, from one another. While money is often a sensitive topic in relationships, transparency is key to building lasting trust. This Financial Infidelity Test is designed to help you recognize patterns of financial secrecy that may be undermining your connection. By assessing how open you are about your finances, you can gain insight into the health of your financial partnership.

Using measures inspired by psychological research, this test evaluates various behaviors ranging from concealing purchases to lying about income. It serves as a diagnostic tool to understand the underlying motivations behind financial deceit. Whether you are worried about your own habits or just want to ensure your relationship is on solid ground, this assessment provides a clear picture of your financial fidelity.

If you find that financial secrets are an issue, consider exploring our Relationship Satisfaction Scale to see how this impacts your overall bond, or take the Propensity Towards Infidelity Scale to understand broader trust dynamics.

Frequently Asked Questions

How long does this quiz take?: It takes about 3-5 minutes to complete.
Are my responses private?: Yes, all Financial Infidelity Scale answers are anonymized and confidential.
Can I take this test more than once?: Yes, you can retake the test any time to see how your Financial Infidelity Scale results may have changed.
Will this quiz tell me if I am financially unfaithful?: Yes, your results will indicate your tendency towards financial infidelity and highlight specific behaviors that may be problematic.
Can my results help my relationship?: Absolutely; identifying these behaviors is the first step toward initiating constructive conversations and rebuilding financial trust.

Financial Infidelity Test: Take The Quiz

Step 1: Rate Your Financial Habits

For each statement, indicate how likely you are to engage in the behavior on a scale of 1 (Strongly Disagree) to 5 (Strongly Agree). For best results, answer honestly and trust your first instinct.

1. I often understate the cost of gifts I buy to avoid conflict with my partner.

2. My partner is unaware of the actual amount I spend on presents for others.

3. I would keep it a secret if I lost money while gambling.

4. If I won a bet, I would likely spend the winnings on myself without telling my partner.

5. I would enjoy spending an unexpected inheritance without my partner knowing about it.

6. I prefer to keep the specific details of my income private from my partner.

7. I would purchase an item secretly if I knew my partner would object to the price.

8. I prefer to hide my receipts so my partner cannot judge what I have bought.

9. I am not fully honest with my partner regarding the total amount of my savings.

10. I sometimes act as though I am saving money when I am actually not.

11. I would conceal a bill from my partner to prevent an argument.

12. If I needed short-term cash, I would use credit without informing my partner.

13. I would lend money to a friend or family member without my partner knowing.

Step 2: Enter Your Demographics

Provide your age, gender, region, and first name for a detailed report comparing your results to others.

What is your age?

What is your gender?

What region of the world do you live in?

What is your first name?

Step 3: Submit Your Financial Infidelity Scale Answers

After completing all questions, click below to send your responses to Mark Travers, Ph.D. All answers are anonymized and confidential.

References

Garbinsky, E. N., Gladstone, J. J., Nikolova, H., & Olson, J. G. (2019). Love, lies, and money: Financial infidelity in romantic relationships. Journal of Consumer Research, 47(1), 1–24.

Disclaimer

This scale is designed for educational purposes and is not a substitute for professional diagnosis or treatment.