What is CQ?
CQ — Cash Quotient — is your financial intelligence score: how well you earn, manage, grow, and survive with money, expressed as a single number.
The financial equivalent of IQ and EQ
IQ measures intelligence. EQ measures emotional intelligence. CQ measures how well you handle money — your financial capability, behaviour, and resilience, all wrapped into one stat.
What makes up your CQ
Your score is a blend of the habits and decisions that decide where your money story goes.
Spending habits
What you spend on, and how it tracks with income.
Saving discipline
How consistently you put money aside.
Risk tolerance
How much uncertainty you can carry.
Income streams
Where money comes from — and how many ways.
Debt management
Borrowing well, or borrowing badly.
Investment behaviour
Putting money to work over time.
Financial resilience
Your buffer when life happens.
Lifestyle choices
The trade-offs you make every day.
Why one number?
A single score is instantly readable. It gives you a baseline, a target, and a way to see progress — the same way a stat makes a game understandable, CQ makes your financial life measurable.
Life is money. Money is CQ.
Your financial story, quantified.