What’s your CQ?
A single number that reflects how well you manage, grow, and survive with money. Think IQ for intelligence, EQ for emotion — CQ for finance.
Your financial skill, distilled into one score.
CQ is a blend of the habits and decisions that decide where your money story goes — from daily spending to how you survive a financial shock.
Income streams
Where money comes from — and how many ways.
Spending habits
What you spend on, and how it tracks with income.
Saving discipline
How consistently you put money aside.
Debt management
Borrowing well, or borrowing badly.
Investment behaviour
Putting money to work over time.
Risk tolerance
How much uncertainty you can carry.
Financial resilience
Your buffer when life happens.
Lifestyle choices
The trade-offs you make every day.
Your CQ is the heartbeat of the game.
Every choice moves your score. The game doesn’t lecture — it lets you live with the consequences.
Your CQ, 0–1000.
Four pillars — Earn, Manage, Grow, Survive — each fed by two or three factors. Nine bands from Ruined to Mogul: Ruined · Struggling · Chaotic · Surviving · Stable · Growing · Savvy · Elite · Mogul. Your score is derived from your state, never hand-written, and your month delta (“+12 this month”) shows the trend. XP rewards effort; CQ measures what you built. They never mix.
Ready to find your number?
MoneyCQ is live. Build a life, make decisions, live with the consequences — and watch your CQ move with every choice. Start your first life at app.moneycq.com.