New tool reveals whether your partner is financially compatible

A new online tool could help couples find out if they’re financially compatible ahead of Valentine’s Day.

Our new easy-to-use compatibility quiz aims to take the awkwardness out of money talk and help couples navigate the tricky intersection between love and personal finances.

New research shows that one in five relationships end due to financial disagreements, and the tool tackles key topics like spending habits, saving goals, and attitudes towards debt, aiming to help couples work together financially.

Maxine McCreadie, a personal finance expert at UK Debt Expert, commented:

“Financial compatibility is just as important as emotional compatibility. As households across the UK feel the pinch from soaring energy bills and council tax rises, it’s crucial for couples to have open and honest discussions about money.

“This Valentine’s Day, many couples will fork out over £50 on gifts and treats – yet another hit to the budget when many are still recovering from the financial strain of January.

“Our tool is designed to encourage open conversations about money, helping couples strengthen their financial trust – or spot warning signs early.”

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5 tips to help couples

To help couples strengthen their financial compatibility, Maxine has provided some top tips:

1. Start the conversation before problems arise: Don’t wait for money arguments to happen. Set aside time to have an honest discussion about spending habits, financial goals, and any debts you’re dealing with. The earlier you address money matters, the fewer surprises there will be down the line.
2. Set shared goals to build financial teamwork: Whether you’re saving for a dream holiday, a house deposit, or simply trying to get out of debt, having joint financial goals strengthens your relationship. Work together on a plan, track your progress, and celebrate small wins along the way.
3. Know your partner’s ‘money personality’: Is one of you a saver and the other a spender? Recognising and understanding these differences can help prevent clashes. Instead of trying to change each other, find a middle ground that works for both of you. The financial compatibility quiz can help pinpoint key strengths and areas that might need extra attention.
4. Create a budget that works for both of you: Merging finances isn’t for everyone, but transparency is key. Decide how you’ll split expenses, agree on limits for discretionary spending, and make sure you’re both comfortable with the arrangement. The goal is fairness, not control.
5. Have regular ‘money dates’: Financial situations change over time, so don’t just have one big money chat and leave it at that. Schedule regular check-ins – whether monthly or quarterly – to review your budget, adjust financial plans, and keep each other accountable.

Want to see how you and your partner measure up? Take the financial compatibility quiz here.