Open test
What you know about money — and what you do with it
Nine short questions: five about knowledge and four about behaviour. Nothing is sent anywhere — the result stays with you. The test is not an exam and gives no “grade”; it shows which ideas are worth a closer look.
The test
Calculators for the questions
- Inflation — what will my money buy (question 1)
- Compound interest (question 2)
- Loan, instalment and APR (question 4)
- All calculators · The Glossary
For teachers and groups
After the test everyone gets a short code, for example K4B11 (knowledge 4 out of 5, behaviour 11 out of 16). The code contains no name and is the same in every language, so groups can mix the Bulgarian and English versions. Paste the group's codes (one per line) to see the distribution — nothing is saved.
Method and limits
What it is. Five knowledge questions (inflation, compound interest, diversification, the cost of credit, risk and return) and four about behaviour (comparing offers, saving first, reading what you sign, checking who is behind “quick profit”). The questions are our own, built on concepts widely used in financial literacy; they do not copy other studies.
What it is not. It is not a representative survey and has no reference data. The test has not been validated yet (difficulty and reliability are checked once there are at least 200 answers). The behaviour questions are self-assessment and may differ from actual behaviour. Five questions do not measure all of financial literacy.
Data. Nothing is saved. No cookies for tracking, analytics or ads. The answers never leave your device.
Where to check for yourself
In the EU
| Your Europe — consumers | your rights as a consumer in any EU country |
| European Central Bank | the euro, inflation and interest rates |
| Eurostat | statistics for the EU, including inflation (HICP) |
| European Securities and Markets Authority | investor protection and warnings |
Example: Bulgaria
| Consumer Protection Commission | consumer rights, complaints |
| Financial Supervision Commission | supervision of non-bank financial services |
| Bulgarian National Bank | central bank, banking information |
Check in your country: your consumer protection authority, your financial supervisor and your central bank. Pecuvo points to the primary sources and does not replace them.