Financial Literacy (OECD/INFE)

The OECD’s internationally comparable triad: knowledge, behaviour and attitude combine into a score from 0 to 21 – including knowledge questions that are right or wrong.

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Financial Literacy (OECD/INFE) – questionnaire preview

The OECD and its International Network on Financial Education developed a freely published questionnaire that lets countries measure financial literacy comparably. It has three parts: seven knowledge questions on interest, inflation and diversification, nine questions on actual behaviour, and three statements about basic attitudes to money. The three parts combine into a total from 0 to 21. That three-way split is the instrument’s real value: it shows whether someone is short on knowledge, routine or attitude – three gaps that call for entirely different responses.

When should you use this template?

This template is a great fit for:

  • In financial education programmes run by banks, chambers and associations
  • As an entry point to advisory conversations about provision
  • As a repeatable progress check before and after a training course

Every question in this template

  1. 1

    I understand that participation is voluntary and anonymous, and I take part. *

    Consent
    Agreement required
  2. 2

    Five siblings are given €1,000 to share equally. How much does each one get? *

    Single choice
    • €100
    • €200
    • €500
    • Don’t know
  3. 3

    They have to wait a year for their share. Inflation over that year is 2%. What will they be able to buy with their share? *

    Single choice
    • More than today
    • The same as today
    • Less than today
  4. 4

    You lend a friend €25 in the evening and get exactly €25 back the next day. How much interest did they pay? *

    Single choice
    • None
    • A little
    • Don’t know
  5. 5

    You put €100 into a savings account paying 2% a year, with no fees or taxes. How much is in the account after one year? *

    Single choice
    • €100
    • €102
    • €120
    • Don’t know
  6. 6

    And how much would be in the account after five years if the money is left alone? *

    Single choice
    • More than €110
    • Exactly €110
    • Less than €110
    • Don’t know
  7. 7

    An investment with a high return is likely to be high risk. *

    Single choice
    • True
    • False
    • Don’t know
  8. 8

    It is usually possible to reduce the risk of investing by buying a wide range of different assets. *

    Single choice
    • True
    • False
    • Don’t know
  9. 9

    How much do the following statements apply to you? *

    Matrix
    Strongly disagreeDisagreeNeutralAgreeStrongly agree
    Before I buy something I carefully consider whether I can afford it.
    I pay my bills on time.
    I keep a close watch on my financial affairs.
    I set long-term financial goals and work towards them.
    Over the last twelve months I have actively been saving.
  10. 10

    And how do you see this in general? *

    Matrix
    Strongly disagreeDisagreeNeutralAgreeStrongly agree
    I find it more satisfying to spend money than to save it for the long term.
    I tend to live for today and let tomorrow take care of itself.
    Money is there to be spent.

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Frequently asked questions

How does the total of 21 come about?
Seven points from knowledge, nine from behaviour and up to five from attitude add up to a maximum of 21 – exactly as in the OECD methodology.
Why are the attitude items reverse-scored?
The three statements are deliberately worded in a present-oriented way (“money is there to be spent”). Agreement therefore indicates a short-term attitude, so the points are reversed – the scoring engine does that automatically.

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