Finder Consumer Positivity Index

Tracking how Australian consumers feel about the economy and their financial lives.

Saranga Sudarshan's headshot
Joshua Godfrey's headshot

By

Saranga Sudarshan

&

Joshua Godfrey

Edited by

Angus Kidman

Updated

Fact checked

Key takeaways

  • Finder’s positivity index increased by 22.3% in June 2025 to 141.85 points.
  • The increase in the index was mainly due to Savings and General economic sentiments.

The rise in the index was largely driven by gains in the savings and general economic sentiments. Average cash savings jumped 34%, while the average monthly savings amount rose by 35%. Meanwhile, the proportion of respondents feeling positive about their monthly cost of living increased by 11%. Optimism about the ability to afford a home climbed to 15%, and sentiment around household debt improved by 7%. Also, the share of Australians feeling stressed about their current financial situation fell 5%.

In the housing category, The share of respondents who believed it was a good time to buy property rose by 6%, while the proportion struggling with mortgage repayments fell by 8%.

The proportion of Australians expecting a pay rise in the next 12 months rose 2%, while optimism about continued employment edged up 4%.

What is the Finder Positivity Index?

Finder's Positivity Index is a monthly measure of Australian consumer sentiment, and a useful way to gauge the financial health of Australian consumers at a glance. It provides a snapshot of how Australians feel about their current capacity to earn a decent income; to spend enough to maintain their standard of living; and to save for the future. The index also provides an insight into where the economy as a whole is going in the short term.

The index is collated from over 50,000 responses to Finder's Consumer Sentiment Tracker since May 2019. It is produced by analysing data collected across five broad categories:

  1. General economic sentiment (65%)
  2. Housing (15%)
  3. Savings (10%)
  4. Credit card usage (5%)
  5. Shopping behaviour (5%)

Each category is measured with survey responses on how Australians feel about a recession; their wages; wellbeing; their ability to pay for housing; their living costs; use of buy now pay later; and how much they save per month. The final index is a synthesis of these consumer perspectives into a single index to express current and near-term consumer sentiment. This synthesis involves creating separate indexes for each data point with a baseline of 50, then calculating a weighted sum as a final index.

Angus Kidman's headshot
To make sure you get accurate and helpful information, this guide has been edited by Angus Kidman as part of our fact-checking process.
Saranga Sudarshan's headshot
Analyst

Saranga Sudarshan is an experienced analyst specialising in consumer finance research, data analysis and market intelligence. Formerly a research analyst at Frost & Sullivan, he holds a PhD in political philosophy from the University of St Andrews, as well as a Bachelor’s and Master’s degree in Philosophy from the University of Sydney. Saranga was an Analyst at Finder from 2022 to 2024. See full bio

Saranga's expertise
Saranga has written 21 Finder guides across topics including:
  • Personal finance
  • Data analysis
Joshua Godfrey's headshot
Co-written by

Insights Analyst

Joshua Godfrey is an Insights Analyst at Finder, specialising in data analysis and identifying emerging trends through the Consumer Sentiment Tracker, a monthly survey on Australians' financial attitudes. He has co-authored Finder’s 2023 Green Report and 2024 Wealth Building Report, which have been widely quoted in top media outlets like the AFR and news.com.au. With a Bachelor of Business in Finance and Marketing and a Diploma of Creative Intelligence from UTS, Josh is passionate about uncovering patterns in consumer sentiment and exploring how they influence the future of finance. See full bio

Joshua's expertise
Joshua has written 31 Finder guides across topics including:
  • Data and analytics
  • Money trends
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