Financial capacity as a relatively new concept hasn't been sufficiently explored. Although financial capacity is often equated with financial literacy in the literature, these are two different concepts. Financial capacity is a broader concept and, in addition to financial knowledge and skills, includes access to financial products, services and institutions. The need for financial capacity has never been greater due to the increasing innovation and complexity of financial services, demographic changes etc. It is increasingly important that people have the ability to manage their finances because financially capable consumers can make “healthy” financial decisions for themselves and their families, make appropriate choices between different financial products and services, plan budgets in advance, save to avoid over-indebtedness, identify and protect themselves from financial risks, invest wisely and understand their rights and responsibilities. In order to improve the level of financial capacity, it is crucial to invest in financial knowledge using financial education. This thesis includes a survey using a questionnaire, which determines the state and level of financial capacity of high school students in the area of Međimurje County. The research results showed a middle level of financial capacity of high school students. Students achieved a high level of independence and selfconfidence in money management, while the worst results were achieved in financial literacy and impulsivity. The research indicated the need to improve the financial capacity of high school students, which can be achieved through additional financial education.