W WorthNav
Your money. Your next move.

Broke to financial freedom.

Answer six honest questions. Get the one stage, one priority, and three moves that matter most right now, built for New Zealanders, no jargon, no paywall.

Question 1 of 617%

After bills, what happens to your money?

Choose the answer that matches most months, not your best month.

How long could your savings cover essentials?

Count cash you can access quickly, not credit cards.

What does high-interest debt look like?

Think credit cards, payday loans, and buy-now-pay-later balances.

How reliable is your income?

Choose based on the last six months.

Are you investing for the long term?

Include retirement schemes such as KiwiSaver.

How much of your lifestyle could assets fund?

Use sustainable investment or business income, not selling your time.

No email required. Your answers stay on this device. WorthNav is free and never sells your data.

Your personalized roadmap
01

Stabilize

Primary focus
Graduate when
Avoid

Your next three moves

The full order of operations

Do the current stage first. Later stages are direction, not a distraction.

Educational guidance only, not personalised financial advice. Consider a qualified adviser for decisions involving investments, tax, or debt restructuring. For NZ specifics, pair each stage with the relevant calculators and guides on this site.

Common questions

Financial Freedom Blueprint questions, answered

What is the Financial Freedom Blueprint?

The Blueprint is a free six-question assessment for New Zealanders. It scores six areas of your money life (cash flow, buffer, debt, income, investing and freedom) and maps you to one of six stages, from stopping the bleeding to building freedom, returning a single priority and three moves to focus on.

How many stages are in the financial freedom roadmap?

There are six stages: Stop the Bleeding, Stabilize, Clear, Secure, Build and Freedom. You start where your answers put you and move forward one stage at a time, rather than skipping ahead on money you have not yet stabilised.

Is the Blueprint assessment free and do I need an email or account?

Yes, it is completely free. There is no email wall and no account: your answers are scored in your browser and stay on your device. WorthNav does not reader-monetise and discloses any referral or advertising commission instead.

What if I am behind? Which stage should I start with?

Start with whatever stage the assessment returns for you. If you are falling short or missing bills, that is Stop the Bleeding, not investing. The roadmap intentionally makes you graduate each stage before the next, because later stages assume the earlier foundation is in place.