Measuring Financial Literacy Across the World
Finlight Index is an independent research platform that tracks, compares, and visualizes financial literacy levels across 100+ countries — empowering researchers, educators, and policymakers with data-driven insights.
A Comprehensive Financial Literacy Research Platform
We combine academic research, survey data, and policy analysis to produce one of the most detailed financial literacy indices available to the public.
Global Rankings
Compare financial literacy scores across countries and regions. Filter by continent, income level, and development status to understand global patterns.
View RankingsEducation Hub
Access structured educational materials covering budgeting, debt management, savings strategies, and the foundational principles of personal financial planning.
Start LearningTrend Analysis
Track how financial literacy has evolved over time in each country. Our longitudinal data spans multiple survey cycles, revealing meaningful progress — and setbacks.
Explore TrendsTop Performing Countries
The Nordic nations continue to dominate the global financial literacy index, driven by strong civic education systems and widespread access to banking services.
See Full RankingsHow We Build the Index
Our methodology is transparent, reproducible, and grounded in internationally recognized financial literacy frameworks.
Data Collection
We aggregate data from OECD surveys, World Bank reports, and national financial education agencies.
Normalization
Raw scores are normalized across 12 indicators to produce a composite index ranging from 0 to 100.
Peer Review
All index calculations are reviewed by an independent advisory committee of financial education specialists.
Annual Update
The index is refreshed annually to reflect the most recent survey cycles and policy changes worldwide.
Key Findings from the 2024 Index
Budgeting
Only 1 in 3 Adults Tracks a Monthly Budget
Our 2024 survey found that consistent budgeting behavior remains rare even in high-income nations, pointing to a critical gap between financial knowledge and action.
Education
Curriculum-Based Programs Show Measurable Gains
Countries that introduced mandatory financial education in secondary schools show an average index improvement of 6 points over five years, compared to 1.4 for others.
Fintech
Digital Financial Tools Correlate with Higher Scores
Nations with high adoption of digital banking, investment apps, and open banking APIs show consistently higher financial literacy scores — but causality remains under study.