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 slightly increased by 4.3% in January 2026 to 122.18 points.
  • The increase in the index was mainly due to savings and general economic sentiment.

The index recorded a solid increase this month, supported by stronger saving behaviour and shifting views on the economy. Confidence in continued employment rose by 9%, while sentiment around salary levels increased by 5%. However, optimism about housing affordability dropped by 21%, and the share of Australians who say they are happy fell by 4%.

Savings continued to improve, with average monthly savings up 2%. Cash savings also rose by 3%, pointing to a small lift in household financial buffers.

Housing sentiment was mixed. The share of Australians struggling to pay their mortgage fell by 10%. Meanwhile, the proportion who felt it was a good time to buy property and levels of rental stress remained unchanged.

Use of buy-now-pay-later services declined, with the proportion of Australians who made a purchase in the past six months down 3%. Expectations of Australia entering a recession in the next 12 months also eased, falling by 8%.

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

Senior Insights Analyst

Joshua Godfrey is a Senior 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 authored Finder’s 2024 Wealth Building Report and 2025 First Home Buyer 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 41 Finder guides across topics including:
  • Data and analytics
  • Money trends
  • Data journalism
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