Bible Financial

Tool

Stewardship Score

He that is faithful in that which is least is faithful also in much (Luke 16:10, KJV).

What this assessment is

This assessment presents thirty-five self-report statements, five under each of seven themes that Scripture addresses: ownership (Psalms 24:1, KJV), stewardship (Luke 16:10, KJV), diligent work (Proverbs 10:4, KJV), debt (Proverbs 22:7, KJV), saving (Proverbs 21:20, KJV), giving (Malachi 3:10, KJV), and contentment (1 Timothy 6:6, KJV).

Every statement restates one verse and carries its citation, as in: the borrower is servant to the lender (Proverbs 22:7, KJV).

Scripture states the standard and the statements ask how often your own practice matches it, for it is required in stewards, that a man be found faithful (1 Corinthians 4:2, KJV).

No counsel accompanies the result. Results pair figures with Scripture.

The rubric — documented scoring math

The entire computation is listed here. There is no hidden weighting.

  1. Each of the 35 statements takes one response on a 0–4 scale: 0 Never, 1 Rarely, 2 Sometimes, 3 Often, 4 Always.
  2. Reverse-scored statements (10 of 35, each labeled in the assessment) are inverted first: adjusted = 4 − response.
  3. Theme score = (sum of its five adjusted responses) ÷ 20 × 100, rounded. Range 0–100.
  4. Total score = arithmetic mean of the seven theme scores, rounded. Range 0–100.
The full rubric: 35 statements (7 themes × 5), the verse each statement is derived from, and which positions are reverse-scored. The complete statement texts appear in the assessment below, each with its citation.
Theme Statements derived from (KJV) Reverse-scored positions
Ownership Psalms 24:1; Haggai 2:8; Deuteronomy 8:18; 1 Chronicles 29:14; Deuteronomy 8:17 5
Stewardship Luke 16:10; 1 Corinthians 4:2; Matthew 25:21; Romans 14:12; Matthew 25:18 5
Diligent Work Proverbs 10:4; Colossians 3:23; Proverbs 14:23; Proverbs 20:4; Proverbs 6:9 4, 5
Debt Proverbs 11:15; Proverbs 22:7; Romans 13:8; Psalms 37:21; Proverbs 6:3 1, 2
Saving Proverbs 21:20; Proverbs 6:8; Proverbs 13:22; Luke 14:28; Proverbs 21:17 5
Giving Malachi 3:10; Proverbs 3:9; 2 Corinthians 9:7; Proverbs 28:27; Proverbs 21:13 5
Contentment 1 Timothy 6:6; Hebrews 13:5; Philippians 4:11; Ecclesiastes 5:10; Exodus 20:17 4, 5

The assessment

Answer all 35 statements, one response each, then compute. Results render below in black text on white cards, with each theme's governing passages quoted in full.

Ownership
1. The earth is the LORD'S, and the fulness thereof (Psalms 24:1, KJV) — I regard what is in my hands as the LORD'S.
2. The silver is mine, and the gold is mine, saith the LORD of hosts (Haggai 2:8, KJV) — I regard my silver and my gold as the LORD'S.
3. Thou shalt remember the LORD thy God: for it is he that giveth thee power to get wealth (Deuteronomy 8:18, KJV) — I remember the LORD as the one who gives me power to get wealth.
4. All things come of thee, and of thine own have we given thee (1 Chronicles 29:14, KJV) — I speak of what I have as coming from God.
5. And thou say in thine heart, My power and the might of mine hand hath gotten me this wealth (Deuteronomy 8:17, KJV) — I say in my heart that my own power and might gained me what I have. reverse-scored: 4 − response
Stewardship
6. He that is faithful in that which is least is faithful also in much (Luke 16:10, KJV) — I am faithful in the least of what is entrusted to me.
7. It is required in stewards, that a man be found faithful (1 Corinthians 4:2, KJV) — I am found faithful with what is committed to me.
8. Thou hast been faithful over a few things (Matthew 25:21, KJV) — I am faithful over the few things placed in my care.
9. Every one of us shall give account of himself to God (Romans 14:12, KJV) — I keep an account of what passes through my hands.
10. He that had received one went and digged in the earth, and hid his lord's money (Matthew 25:18, KJV) — I leave what is entrusted to me hidden and unused. reverse-scored: 4 − response
Diligent Work
11. The hand of the diligent maketh rich (Proverbs 10:4, KJV) — my hand is diligent in my work.
12. Whatsoever ye do, do it heartily, as to the Lord (Colossians 3:23, KJV) — I do my work heartily, as to the Lord.
13. In all labour there is profit: but the talk of the lips tendeth only to penury (Proverbs 14:23, KJV) — my labour is in work done rather than in the talk of the lips.
14. The sluggard will not plow by reason of the cold (Proverbs 20:4, KJV) — I put off my work when conditions are hard. reverse-scored: 4 − response
15. How long wilt thou sleep, O sluggard? (Proverbs 6:9, KJV) — I sleep while my work lies waiting. reverse-scored: 4 − response
Debt
16. He that hateth suretiship is sure (Proverbs 11:15, KJV) — I am surety for another's debt. reverse-scored: 4 − response
17. The borrower is servant to the lender (Proverbs 22:7, KJV) — I am a borrower in service to a lender. reverse-scored: 4 − response
18. Owe no man any thing, but to love one another (Romans 13:8, KJV) — I owe no man any thing.
19. The wicked borroweth, and payeth not again (Psalms 37:21, KJV) — what I have borrowed, I pay again.
20. Do this now, my son, and deliver thyself (Proverbs 6:3, KJV) — when I am bound by a pledge, I act at once to deliver myself.
Saving
21. There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up (Proverbs 21:20, KJV) — I keep a store in my dwelling rather than spending it up.
22. Provideth her meat in the summer, and gathereth her food in the harvest (Proverbs 6:8, KJV) — I gather provision in seasons of plenty.
23. A good man leaveth an inheritance to his children's children (Proverbs 13:22, KJV) — I set aside an inheritance for those who come after me.
24. Which of you, intending to build a tower, sitteth not down first, and counteth the cost (Luke 14:28, KJV) — I sit down first and count the cost before I commit.
25. He that loveth pleasure shall be a poor man (Proverbs 21:17, KJV) — I spend on present pleasure what was gathered for provision. reverse-scored: 4 − response
Giving
26. Bring ye all the tithes into the storehouse (Malachi 3:10, KJV) — I bring the tithe into the storehouse.
27. Honour the LORD with thy substance, and with the firstfruits of all thine increase (Proverbs 3:9, KJV) — I give from the firstfruits of my increase.
28. Every man according as he purposeth in his heart, so let him give; not grudgingly (2 Corinthians 9:7, KJV) — I give as I have purposed in my heart, not grudgingly.
29. He that giveth unto the poor shall not lack (Proverbs 28:27, KJV) — I give to the poor.
30. Whoso stoppeth his ears at the cry of the poor (Proverbs 21:13, KJV) — I stop my ears at the cry of the poor. reverse-scored: 4 − response
Contentment
31. Godliness with contentment is great gain (1 Timothy 6:6, KJV) — I count godliness with contentment as great gain.
32. Be content with such things as ye have (Hebrews 13:5, KJV) — I am content with such things as I have.
33. I have learned, in whatsoever state I am, therewith to be content (Philippians 4:11, KJV) — in whatsoever state I am, I am content.
34. He that loveth silver shall not be satisfied with silver (Ecclesiastes 5:10, KJV) — however much I gain, I am not satisfied. reverse-scored: 4 − response
35. Thou shalt not covet any thing that is thy neighbour's (Exodus 20:17, KJV) — I covet what is my neighbour's. reverse-scored: 4 − response