A complete personal finance curriculum — budgeting, saving, credit, taxes, investing & more. Works fully offline.
Click a unit to expand. Click any lesson for teaching notes, vocabulary, objectives, and discussion questions with model answers.
Family Activities — Homeschool Edition
Designed for 2–3 people. Competitive, hands-on, and connected to real life for ages 13 & 15. Click any card for full step-by-step instructions.
Tax Simulator
Adjust income, state, and filing status to see federal + state taxes calculated in real time. Includes all 50 states. Virginia is set as the default.
A W-2 is the annual document your employer sends showing total wages earned and taxes withheld. Use it to file your return by April 15.
A W-4 is filled out when starting a job — it tells your employer how much to withhold from each paycheck.
Your employer sends taxes to the IRS throughout the year. In April you file your return to settle the difference — too much withheld = refund; too little = you pay the balance.
Budget Lab
Enter your real take-home income and build your actual monthly budget line by line. Click any item name or amount to edit it.
If you invest your savings category monthly:
Based on your needs total as monthly expenses:
Housing Calculator — Rent vs. Buy
Compare the true 10-year cost of renting vs. buying. Adjust any number to see the break-even point.
Equity — the portion of your home you actually own (value minus loan balance). Rent builds zero equity.
PMI — required if down payment < 20%. Adds ~0.5–1% of loan per year until you reach 20% equity.
Break-even — years before buying becomes cheaper than renting would have been. Typically 4–7 years.
The 5% rule — Home price × 5% ÷ 12. If that exceeds your rent, renting may be the better financial choice.
Quiz Bank
Test knowledge after each unit. Select a unit, answer all questions, then submit to see your score and explanations.
Planning Tools
Insurance cost estimators and a financial aid calculator. Figures are national estimates for educational purposes — actual amounts vary by insurer, state, and situation.
Estimates your Student Aid Index and typical aid package. The real FAFSA uses a more detailed formula — this gives a realistic ballpark for planning.
Recommended Resources
Free tools, curriculum platforms, and apps to extend learning.