What is financial literacy?
Financial literacy combines knowledge of concepts such as interest, inflation, diversification, and cash flow with the ability to apply them to decisions and seek qualified help when needed.
Review the concepts, habits, and decision process you use to understand money, risk, and financial trade-offs.
Answer as you are today
Choose the answer that best describes your recent behaviour at work. No email required.
What does financial literacy mean?
Financial literacy combines knowledge of concepts such as interest, inflation, diversification, and cash flow with the ability to apply them to decisions and seek qualified help when needed.
Why it matters at work
Financial choices compound over time and are often made under uncertainty. This reflection is educational, not financial advice; product, tax, credit, and investment decisions may require a regulated professional.
What this assessment measures
Core concepts
Understanding compounding, inflation, diversification, debt cost, and the difference between cash flow and profit.
Financial visibility
Maintaining an accurate view of income, spending, obligations, liquidity, and decision assumptions.
Risk & decision judgment
Comparing alternatives, checking incentives, and matching risk to horizon and capacity.
How to interpret your score
Your overall result is normalised to a 0–100 scale. Use it to choose a practice area, not to compare your worth with somebody else.
Build your financial literacy foundation
Your answers point to a few situations where one deliberate practice could make this capability more dependable.
A developing financial literacy pattern
You show this capability in some conditions. Start with the dimension that becomes least reliable under pressure.
A strong financial literacy pattern
Your answers suggest a reliable pattern. Keep testing it with harder situations and feedback from people affected.
Designed for reflection, not diagnosis
The ten behaviour-based statements cover 3 practical dimensions. Responses run from “Never” to “Almost always”; negatively worded items are reverse-scored. Overall and dimension results are converted to a 0–100 scale. The assessment is educational and has not been psychometrically validated.
Read the full assessment methodology and editorial standards.
Research that informed this page
Annamaria Lusardi and Olivia S. Mitchell (2014), “The Economic Importance of Financial Literacy: Theory and Evidence”, Journal of Economic Literature.