Personal Financial Wellness Scale™ (PFW Scale™)

The Personal Financial Wellness Scale™ (PFW Scale™) is an eight-item, self-report measure of perceived financial distress/financial well-being. The instrument measures the level of well-being and stress emanating from one's personal financial condition on a continuum extending from negative to positive feelings about and reactions to one's financial situation. The tool has been scientifically determined to be a valid and reliable measure of personal financial wellness.

Development of the PFW Scale™ (formerly known as the "InCharge Financial Distress/Financial Well-Being Scale") was finalized in 2006 through the research collaboration of Dr. E. Thomas Garman, Dr. Aimee D. Prawitz, and a national team of scholars. For details about the development of the instrument and to cite it in research reports, please see the following documents: (1) Research Article on PFW Scale™ Development, Administration, and Score Interpretation and (2) Research Article on PFW Scale™ Validity and Reliability

Sample Questions & Scores from PFW Scale™
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Scale Uses and Policies
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Permission Form (Submit Online)
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Copyright 2006, 2007, 2008, 2009, 2010, 2011, 2012 "PFEEF is a 501(c)3 nonprofit charitable foundation"
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