Independent Research on Household Finance

Our Mission

Finance Through the Household Lens

Most financial data is presented from the top down: GDP, trade balances, sovereign debt. Keldorax takes the opposite approach — we look at the household as the fundamental economic unit and ask: how do ordinary people actually live?

We synthesize data from national statistics agencies, the World Bank, IMF, OECD, and peer-reviewed economic research to build a comprehensive, comparable picture of household financial life across the globe.

All information on this platform is for educational and informational purposes. We do not offer financial advice, investment guidance, or paid services of any kind.

Data Sources

Our primary sources include: national household surveys (such as the US Current Population Survey, the EU-SILC dataset, and Japan's Family Income and Expenditure Survey), World Bank Global Findex data, IMF Article IV reports, and OECD household finance databases.

Where official data is unavailable or significantly outdated, we supplement with academic studies from peer-reviewed journals, clearly labelled as estimates.

Harmonization

To enable cross-country comparisons, all monetary figures are harmonized using Purchasing Power Parity (PPP) conversion factors from the World Bank's International Comparison Program. Local currency figures are also shown.

Income definitions are standardized to gross household income (before taxes) wherever possible. Deviations are noted per country.

Update Frequency

Country profiles are reviewed annually, typically in Q1 following the release of prior-year national statistics. The Resilience Index is also updated annually and released in Q2.

Limitations

No cross-country dataset is perfect. Country profiles should be read as informed estimates, not precise measurements. We document known data gaps and methodological caveats in each profile.