Understanding
financial literacy
across Spain
Fundalario is an independent observatory tracking and publishing quarterly data on financial knowledge levels among the Spanish population. We gather survey data, analyse saving habits, and make educational resources freely accessible.
Latest Report
Q1 2026 Financial Literacy Index — now available
From survey to public knowledge
Our methodology moves through three clear phases — each designed to produce reliable, independent data and make it genuinely useful for citizens, educators, and researchers.
We design the surveys
Each quarter, our team develops structured questionnaires covering financial concepts, saving behaviours, debt management, and consumption patterns. Questions are tested for clarity and calibrated to detect real knowledge gaps rather than surface-level familiarity.
We collect and process the data
Responses are gathered from representative samples across different age groups, income levels, and regions of Spain. Raw data is cleaned, weighted, and analysed using methods that allow for meaningful comparisons across time and demographic segments.
We publish openly
Reports, indicator dashboards, and educational materials are released publicly at no cost. The goal is not just to measure financial literacy — it is to actively contribute to improving it through accessible, honest information.
Four pillars of our research
Quarterly Financial Literacy Reports
Each quarter we publish a comprehensive index measuring the financial knowledge of the Spanish population. The report breaks down results by region, age group, education level, and employment status. It is our most detailed and widely referenced publication.
View reports
Population Surveys
Structured questionnaires applied to representative samples of the Spanish population, covering financial knowledge, attitudes towards saving, and everyday money management behaviours.
Learn more
Family Savings Indicators
A dedicated set of indicators tracking household saving rates, emergency fund coverage, pension awareness, and long-term financial planning behaviours across different family structures in Spain.
Explore dataInside the quarterly cycle
Every report follows a structured workflow that keeps data quality high and publication timelines consistent. Here is what happens between one report and the next.
Questionnaire design and review
The research team drafts the quarterly survey questions, drawing on existing financial literacy frameworks and the previous quarter's findings. Questions are reviewed internally and adjusted to ensure they remain relevant to current economic conditions in Spain.
Field work and data collection
Surveys are distributed across a stratified sample covering Spain's 17 autonomous communities. Field collection runs for approximately six weeks, long enough to reach response targets in each demographic segment without introducing seasonal distortion.
Analysis and indicator calculation
Raw responses are cleaned, anonymised, and weighted. The team calculates composite indicators including the Fundalario Financial Literacy Index, the Family Savings Ratio, and the Consumption Habit Score. Each indicator follows a documented methodology available in our annexes.
Publication and resource release
The completed report is published on this site in full, alongside an executive summary, data tables, and any updated educational resources. All materials are freely downloadable. There is no registration required and no content is paywalled.
An independent voice for financial education
Fundalario is a non-profit entity based in Madrid. We operate without commercial interests — our work is not funded by financial institutions, and we do not sell products or services. This independence is what allows us to publish findings without agenda.
We believe that access to clear, honest information about financial concepts is a public good. Our reports, surveys, and educational materials are produced to serve that belief — not to generate revenue or promote any particular financial product or institution.
Independence
No commercial ties. Findings are published as observed.
Open access
All reports and resources are free for everyone.
Rigorous method
Documented methodology, transparent indicators.
Public purpose
Our mission is education, not commercial activity.
Access our latest quarterly report
All Fundalario reports are publicly available at no cost. No registration, no paywall — just data.