How well are Americans managing their money, and how does it vary between the states?
This financial literacy map, via Visual Capitalist’s Pallavi Rao, attempts to answer both questions using 2025 data from WalletHub, a personal finance services company.
They ranked and scored states on three main benchmarks: financial education, financial planning (or consumer habits), and how Wallethub’s own users performed on their financial literacy survey.
ℹ️ These benchmarks are further subdivided into 17 metrics (credit score, savings, personal finance courses, etc.) and are weighted differently. Please read the source’s methodology section for a full breakdown.
The Most Financially Savvy U.S. State
Minnesota is the most financially literate U.S. state with 73 points, according to WalletHub’s latest analysis.
Here’s some sub indicators where Minnesota outperformed the rest of the country.
- High-schoolers must take at least one personal finance program.
- Only 15% of the surveyed Minnesotans spent more than they made—the lowest across all states.
- Highest median credit score in the country (751).
And here’s how each state scores out of 100. Figures are rounded.
| Rank | State | State Code |
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