CFP Practice Test 2026 — Free CFP Exam Prep Questions
The CFP exam tests whether candidates can apply integrated financial planning knowledge to realistic client situations, from ethics and cash flow through insurance, investments, tax, retirement and estate planning. Our practice set follows CFP Board's eight Principal Knowledge Domains and their weights, using short client scenarios and worked calculations. Every answer choice is explained.
Warren and Yvette Moreau give their son $100,000 of cash in 2026 and elect gift splitting. Neither has made prior taxable gifts. What is the total amount of taxable gifts the couple will report for 2026?
CFP format, scoring & key facts
Computer-based at Prometric test centers. Two 3-hour sections, each split into two subsections (43 and 42 questions), with a scheduled 40-minute break between sections. You cannot return to a subsection once you leave it. Candidates bring an approved financial calculator; formulas and tax tables are provided on screen.
| Questions | 170 multiple-choice questions, 4 options each |
|---|---|
| Time | 6 hours of testing: two 3-hour sections with a 40-minute break |
| Question formats | Stand-alone questions, short scenarios (about 3 questions) and case studies (about 8–12 questions) |
| Blueprint | 2021 Principal Knowledge Topics: 8 domains, 70 topics (exams from March 2022 onward) |
| Tax law tested | 2026 tax law and tables for the July 2026, October 2026 and March 2027 windows |
| Calculator | Your own approved financial calculator (HP, TI BA II Plus or Sharp models on CFP Board's list) |
| Scoring | Pass/fail; each question is worth 1 point and there is no guessing penalty |
| Fee | $925 standard ($825 early, $1,025 late) |
| Eligibility | CFP Board must verify that you completed the education coursework requirement before you sit |
| Retakes | Up to 5 lifetime attempts, at most 3 in 24 months |
Facts last verified Oct 26, 2026. Source: www.cfp.net/-/media/files/cfp-board/cfp-certification/exam/exam-candidate-handbook.pdf. Always confirm details with CFP Board before your exam.
When can you take the CFP?
Offered three times a year in 8-day testing windows (March, July and October). Upcoming: October 29 – November 5, 2026; March 16–23, 2027; July 13–20, 2027.
What the CFP covers
Every PrepBanq CFP test mirrors the official domain weights.
Domain distribution
% of the exam| Content domain | Weight | ≈ Questions on exam | Our practice questions |
|---|---|---|---|
Professional Conduct and Regulation | 8% | ~14 | 12 questions → |
General Principles of Financial Planning | 15% | ~26 | 23 questions → |
Risk Management and Insurance Planning | 11% | ~19 | 16 questions → |
Investment Planning | 17% | ~29 | 26 questions → |
Tax Planning | 14% | ~24 | 21 questions → |
Retirement Savings and Income Planning | 18% | ~31 | 27 questions → |
Estate Planning | 10% | ~17 | 15 questions → |
Psychology of Financial Planning | 7% | ~12 | 10 questions → |
How to register for the CFP
Retake policy
Retake the entire exam in a later window and pay the fee each time. Lifetime maximum of 5 attempts, and no more than 3 attempts in any 24-month period.
Score release
Preliminary results shortly after the exam; official results by email about 4 to 6 weeks after the testing window closes.
Credential renewal
Passing the exam counts toward CFP certification; experience must be completed within 10 years before and 5 years after passing, and the bachelor's degree within 5 years after passing.
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CFP FAQ
How many questions are on the CFP?
The CFP has 170 questions and you have 6 hours to finish. Question types: Multiple choice with 4 answer options: stand-alone questions (typically 2–3 sentences), short scenarios (typically 3 questions each) and case studies (longer case histories, typically 8–12 questions each)..
How long is the CFP exam?
Testing time for the CFP is 6 hours.
What is the passing score for the CFP?
CFP passing standard: Pass/fail. The cut score is set by a standard-setting process with CFP professionals and is based on your total score across all sections; no numeric passing score is published. Score range: Pass/fail (failing candidates receive a diagnostic report by Principal Knowledge Topic).
How much does the CFP cost?
The CFP registration fee is $925 standard; $825 early registration; $1,025 late registration (final week). Check the official site for current fees before you register.
What is on the CFP?
The CFP covers Professional Conduct and Regulation (about 8%), General Principles of Financial Planning (about 15%), Risk Management and Insurance Planning (about 11%), Investment Planning (about 17%), Tax Planning (about 14%), Retirement Savings and Income Planning (about 18%), Estate Planning (about 10%), Psychology of Financial Planning (about 7%).
Who administers the CFP?
The CFP Certification Exam is administered by CFP Board. Delivery: Computer-based at Prometric test centers. Two 3-hour sections, each split into two subsections (43 and 42 questions), with a scheduled 40-minute break between sections. You cannot return to a subsection once you leave it. Candidates bring an approved financial calculator; formulas and tax tables are provided on screen..
Can you retake the CFP?
Retake the entire exam in a later window and pay the fee each time. Lifetime maximum of 5 attempts, and no more than 3 attempts in any 24-month period.
Is there a free CFP practice test?
Yes. PrepBanq has 15 free CFP practice tests with 150 exam-style questions in the real CFP formats, and every answer is explained. No credit card is needed.
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