Real money skills. No textbooks.
TMI: Because when it comes to your financial future, there is no such thing as too much information.
Teen Money Independence is a complete 12-week personal finance curriculum for teenagers. Built for homeschool families and classroom educators — no financial expertise required on your part.
They know how to solve for x. They can name the planets. But they don't know how to read a pay stub, build a budget, or understand why their credit score will matter more than their GPA when they try to rent their first apartment.
Teen Money Independence closes that gap — lesson by lesson, unit by unit — before those decisions arrive.
Each unit builds on the last. By the end, your teen has a complete financial foundation — not just theory, but applied skills.
Most personal finance curricula are built for classrooms. Teen Money Independence is built for families — self-paced, hands-on, and designed so parents and teens learn together. No financial expertise required.
You handle the instruction. We handle the curriculum. No financial expertise required — the lesson guides, discussion questions, and answer keys do the heavy lifting.
A ready-to-teach curriculum with everything from slide decks to grading rubrics. Spend your time teaching, not building.
Motivated teens can work through the curriculum independently. The interactive tools make it engaging without a facilitator.
Every tool is built into the curriculum and accessible offline. Students don't just learn about taxes — they simulate them.
Students build a real monthly budget from a given income scenario — assigning every dollar a category, comparing 50/30/20 vs. zero-based methods, and calculating trade-offs.
Covers all 50 states. Students enter income, hours, and filing status to see exactly how federal and state taxes are calculated — including a simulated Form 1040 walkthrough.
A rent vs. buy analysis tool with sliders for home price, down payment, mortgage rate, and appreciation — showing the true 10-year cost of renting vs. buying in real time.
Students explore health, auto, and renters insurance scenarios — adjusting deductibles, coverage levels, and income to see exactly what they'd pay out of pocket for real events.
Enter any college's net price and expected salary, then see total loan burden, monthly payment, and whether the degree pencils out financially. Includes FAFSA aid estimation.
48 multiple-choice questions across all 8 units — 6 per unit. Each answer includes a full explanation so students understand not just what's right, but why. Instant feedback and retry.
Finish all 44 lessons and earn a printable Certificate of Completion — designed for homeschool portfolios, transcripts, and college applications. A real finish line for a real accomplishment.
Every unit follows four teen characters making the exact financial decisions your student will face within the next few years. Abstract concepts become personal.
Methodical and disciplined. Starts as an authorized user at 16, builds a strong credit file, automates her savings. Her story shows what consistent early decisions look like over time.
Learns from costly mistakes. Multiple credit card applications, skips renters insurance, over-borrows for college. His story isn't a cautionary tale — it's a recovery story.
Debt-averse and practical. Graduates with $0 in student debt, opens a Roth IRA early. Demonstrates that a four-year degree is not always the right — or best — financial path.
Avoids all debt products. No credit card debt — but also a thin credit file by Unit 8. Her story shows that being too conservative has its own real costs.
Real feedback from parents and teens who've used Teen Money Independence. More reviews coming as our first families complete the curriculum.
"My 16-year-old actually sat down and read the lessons without me asking. The characters made it feel real — not like homework. By Unit 3 she had opened her own savings account."
"We did the Barter Challenge as a family activity and it turned into a two-hour conversation about money that we've never had before. The activities are the best part."
Teen Money Independence is aligned with the National Standards for Personal Finance Education published by the Council for Economic Education — the benchmark used by schools across the United States. We don't just meet the standard. We go further.
Plus: Cryptocurrency, Salary Negotiation, College ROI, and Tax Simulation across all 50 states — topics most curricula don't cover at all.
Family plan is a one-time purchase — yours forever. Co-op, Classroom, and School plans renew annually and include student account management.
1 household — up to 4 kids & 2 parents. No subscription. Yours forever.
No credit card required to try
Up to 30 students. Renews annually.
Up to 100 students. Renews annually.
As low as $3.97 per student for a full class of 100.
Unlimited students. Renews annually.
Less than $14 per student for 50 kids — less as you grow.
We built this for the homeschool family that wants a serious curriculum — not a worksheet packet, not a corporate textbook.
No semester schedule, no class period. Work through lessons at whatever pace fits your family's routine — one lesson a day or one a week.
From the Barter Challenge to Salary Negotiation Roleplay — games you play together that make the lessons stick. Most take 20–45 minutes.
Every lesson has discussion questions with model answers. You don't need to know the difference between a Roth IRA and an index fund to teach it.
Install as an app on any device. All 44 lessons, simulators, and activities are available offline — no internet required once installed.
The Family plan is a one-time purchase — no subscription, ever. Educator plans renew annually and include full student account management. No per-student fees, no surprise charges.
Unit 1 is completely free — no account required. See the full lesson format, try the activities, and decide if it's right for your family before spending a dollar.
No. Every lesson includes discussion questions with complete model answers, and the Teacher's Guide walks through exactly what to cover and why. Your role is to facilitate — the curriculum does the teaching.
Ages 13–18. The curriculum is most effective for students in 9th–12th grade who have some experience with money (a job, an allowance, or managing spending).
No — 12 weeks is the suggested pace at about 3–4 lessons per week. Families commonly spread it over a semester, do it in intensive stretches, or revisit specific units as money situations come up in real life.
No. The Family plan is a one-time purchase — $97, yours forever, no renewal, no monthly fee. Covers 1 household: up to 4 kids and 2 parents. Co-op, Classroom, and School licenses renew annually because they include ongoing student account management and platform access.
Yes — Unit 1 is completely free with no account required. Click "Try Unit 1 Free" anywhere on this page to access all 5 lessons, the vocabulary tools, discussion questions, and the first family activity.
The Family plan ($97, one-time) includes the full interactive curriculum — all 44 lessons, 18 activities, and built-in tools for up to 6 users. The Co-op plan ($197/year) adds classroom materials and student roster management for up to 30 students. The Classroom plan ($397/year) scales to 100 students — as low as $3.97 per student. The School plan ($697/year) is unlimited students — less than $14 per student for a class of 50.