How METRIKA calculates this
Each answer adds a point to one of five spending styles. Your result is the style with the most points, and your mix shows the share of answers for each. Ties go to the style you chose most recently.
This quiz is for self-reflection, not a psychological assessment. It pairs well with the money personality quiz: money personality is about what you want money for, and spending personality is about how it leaves your account.
What to know in Kenya
Mobile money makes spending fast and easy to lose track of. Fuliza and other overdraft products turn small daily gaps into debt with daily fees. Most Kenyans can download a full M-Pesa statement from the app, and reading one month of it is the quickest way to check whether this result matches your real habits.
Frequently asked questions
How is this different from the money personality quiz?
Money personality looks at your goals and values around money. Spending personality looks at day-to-day habits: what triggers a purchase and where money leaks.
Which spending style is best?
None. Each has a strength and a blind spot. The aim is to notice yours and set one habit that balances it.
How do I check my real spending?
Download last month's M-Pesa and bank statements and group each outgoing payment into needs, wants, people and savings.
Last reviewed 26 Sep 2026. METRIKA gives estimates, not financial advice.