Datafolha: 43% of Brazilians Lack Emergency Savings as Most Faced Recent Emergencies

Overview

• Datafolha reports 84% experienced at least one financial emergency in the past year, such as late bills, borrowing, credit use or name blacklisted.
• The shortfall in reserves is concentrated in class C, which accounts for 78% of those without emergency savings.
• Despite 64% saying they plan monthly expenses, 52% do not know their exact monthly spending and 39% ended the year spending more than they earned.
• Long‑term planning is rare, with only 7% having a will or formal succession plan and just 2% having hired a financial planner, though 49% would consider it.
• The survey interviewed 2,000 internet‑connected adults from classes A–C nationwide from July 16–29, 2025, with a margin of error of ±2 percentage points.