Savings Culture Program
A 12-week training path with practical modules on household budgeting, emergency funds and pension planning under the National Pension System and the SPP.
National Financial Culture Program 2026
Take the lead of your economic stability today with the backing of the State.
We provide new digital tools for the strategic management of your savings, with a methodology validated by Peru's public-finance specialists.
More than 18,400 Peruvians trained since 2021
37% · Average increase in disciplined savings
Av. Javier Prado Este 492, Floor 8, San Isidro, Lima 15046, Peru
Verified results at the close of 2025
Indicators audited by our compliance team in Lima.
- 18,400+
- Participants trained
- 94%
- Program completion rate
- 37%
- Average increase in disciplined savings
- 11
- Peruvian regions with active coverage
Real cases
A clear path toward growth
Learn how thousands of Peruvian entrepreneurs are optimising their surpluses with the support of our public-finance specialists, from Metropolitan Lima to the regions of Arequipa, Cusco, La Libertad and San Martín.
- 1
Initial financial diagnosis
We assess your current financial situation, identifying surpluses, liabilities and opportunities for tax formalisation in line with SUNAT requirements.
- 2
Surplus plan design
We build a monthly savings and investment structure together, anchored in formal instruments regulated by the SBS and SMV.
- 3
Quarterly accompaniment
One-to-one sessions with certified consultants who adjust the strategy in light of changes in Peru's macroeconomic environment.
Services
Discover formal and secure mechanisms to strengthen your economy
Each service is aligned with Peruvian regulations in force for 2026 and operates under auditable transparency standards.
Business Surplus Advisory
Aimed at Peruvian MYPE and SME. We structure the reinvestment of profits into formal instruments regulated by the Securities Market Superintendency.
Pension Planning 2026
Comparative analysis between ONP, AFP and voluntary contributions with returns. Includes projections updated for current pension reforms.
Formal Tax Education
Training in SUNAT compliance, electronic invoices and the MYPE Tax Regime to avoid contingencies and penalties.
Institutional approach
Methodology backed by public-finance specialists
Access the official platform and plan your future here. Our approach combines the technical strength of the public sector with the agility of modern digital tools.
Transparency
We publish our impact indicators and auditable management reports quarterly so that any citizen can review them.
Regulatory compliance
We operate in accordance with Law No. 29733 on Personal Data Protection and the guidelines of the National Data Protection Authority.
National identity
We design content aligned with Peru's economic reality, from Lima micro-businesses to agricultural producers in the interior.
Testimonials
Voices of Peruvians who are already planning their future
The quarterly accompaniment let me organise the profits of my distributor in San Isidro and reinvest them into a mutual fund regulated by the SMV. Today I have clarity over my monthly cash flow.
Rosa Pacheco
Commercial manager, Metropolitan Lima
As an independent engineer in Arequipa, I needed to structure my voluntary contributions to the SPP. Quarklyx's advisory was technical, transparent and deeply Peruvian.
Carlos Mendoza
Civil engineering consultant, Arequipa
I have run my bakery in Trujillo for 32 years. I thought financial planning was only for big companies, until the program proved me otherwise, with clear and close language.
María Elena Quispe
MYPE owner, La Libertad
Official 2026 Newsletter
Receive the training calendar and Peru's macroeconomic indicators
Every fortnight we send short analyses on interest rates, BCRP decisions and formal saving opportunities, written by our team in Lima.
- We publish our impact indicators and auditable management reports quarterly so that any citizen can review them.
- We operate in accordance with Law No. 29733 on Personal Data Protection and the guidelines of the National Data Protection Authority.
- We design content aligned with Peru's economic reality, from Lima micro-businesses to agricultural producers in the interior.
Frequently asked questions
Essential information before you start
Is there any cost to participate in the program?+
The first training phase, including the newsletter subscription and the initial financial diagnosis, has no cost for Peruvian adults who register during 2026.
Are my personal data protected?+
Yes. Quarklyx is registered with the National Personal Data Protection Authority and fully complies with Law No. 29733 and its regulation.
Does Quarklyx offer financial products directly?+
No. Quarklyx does not market financial instruments nor receive deposits from the public. We provide financial education and references to entities regulated by the SBS and SMV.
Which Peruvian regions are you present in?+
We operate virtually across Peru, with monthly in-person sessions in Lima, Arequipa, Trujillo, Cusco, Piura and Tarapoto.
Access the official platform and plan your future today
Join the 2026 training program and receive accompaniment from our public-finance specialists.