CQ — Cash Quotient — is your financial skill as a number. It runs 0–1000, is built from eight factors, and is displayed across nine bands from Ruined to Mogul.
What it is
Think IQ for intelligence and EQ for emotional intelligence: CQ measures how well you handle money. Unlike IQ, it’s a skill — it can be trained, and in MoneyCQ you level it up week by week.
What it does
- Rises with good decisions — savings, insurance, diversification, paid-down debt.
- Falls with bad ones — overdrafts, uninsured disasters, gambling, lifestyle creep.
- Shows a monthly delta so you see the trend, not just the number.
- Unlocks perks automatically as you reach higher bands.
The eight factors
- Spending habits
- Saving discipline
- Risk tolerance
- Income streams
- Debt management
- Investment behaviour
- Financial resilience
- Lifestyle choices
How to use it
- Find your CQ on the home screen with its band and monthly delta.
- Open the factor breakdown to see which part of your money life is strongest.
- Read the weekly summary to see exactly what moved the needle.
- Use band milestones as goals — perks unlock as you climb.
CQ is the only intelligence score you can level up week by week in a simulated life.
Ready to try it? Start a life at app.moneycq.com — your first week takes about two minutes.