Search for a memory test and you will find free quizzes, clinic screens, brain training games and full neuropsychological assessment, all described in roughly the same language. They are not the same thing and they do not answer the same question.
Here is how each one differs.
A number on its own tells you very little. It becomes useful next to people of your age and education, or next to your own earlier result as a baseline. Before you take an online test, check to see which of these comparisons it can give you.
This type of test spans several hours with a clinical neuropsychologist, covering memory, language, attention, executive function and mood, and is interpreted alongside your history and often your brain imaging.
This is the most informative option by a wide margin, and it is the right answer when there is a real diagnostic question. It is also expensive, often has a long waiting list and is not the most sensible way to put everyday concerns into perspective.
No screening test, ours included, can tell you why your memory has changed. Understanding why memory changes requires a conversation with a clinician. Screening can be a useful first step, giving you insightful information to bring to the conversation so it's more efficient and you are better prepared.