K–12 financial literacy · built on a simulated economy
They leave it able to factor a quadratic and unable to read their own pay stub. learnfinancewith spends thirteen years closing that gap — one continuous simulated economy, from a second-grader’s first spend-or-save decision to a senior’s first loan.
For schools and districts
learnfinancewith is a platform, not a packaged course. A school stands it up for its own students, its own teachers and its own families — then teaches the thirteen years we wrote, or the year it writes itself.
A full K–12 sequence, already written and already checked. Adopt it whole and the year is planned before the first bell — the arc, the order, and what each session is for.
Nothing forces our order. Choose the units, set the sequence, assign lesson by lesson, and teach the course your department already believes in — on our machinery instead of a photocopier.
Either way, the same machinery runs underneath — which is why switching from ours to yours costs a term’s planning, not a migration.
State by state, this is now the law
Most states now require personal finance to graduate — each with its own statute, credit value, deadline, and course codes. We track every one of them to primary sources, and every fact we have not verified yet says so instead of guessing.
29
states where the requirement is in force now
16
more where it binds a class still in school
50
states tracked, citation by citation
Statement of a graduating senior
On one side, what thirteen years of school covers, and for how long. On the other, what the world asks of a graduate inside ninety days. The difference is not a failure of effort — it is a line item nobody was ever assigned.
Not "students learn about money." Three specific things that are true at the end of a year with learnfinancewith and are not true at the end of a year without it.
The same simulated world the whole way through. What changes is what a student is trusted to touch, and how much the screen explains before it asks.
One decision per card, read aloud on request. Two tap targets, no typing, and feedback that explains instead of scolding.
Work, gifts, and interest as three different origins. A first one-week budget that has to survive an unplanned expense.
Gross versus net on a real pay stub. A micro-business whose single-entry ledger reconciles to the double-entry one to the cent. An emergency fund that gets tested.
A credit model that moves and explains why. A bookkeeping capstone and a proctored final built from a published blueprint.
This course is designed to support articulation and dual-enrollment agreements. College credit is awarded solely by the partnering institution, at its discretion, under its own policies. Completing this course does not by itself grant college credit.
Live in the demo · the family of Devon W.
learnfinancewith will never connect to a bank. No account numbers, no rails, no card issuance — that is a permanent design constraint, not a roadmap item.
What it does instead is watch the simulation for the moment a student is ready for the real thing. Then it tells the family — not a bank, not a lender, and never a partner who paid to be there.
What the minimum balance is · which fees can be waived · whether it is custodial and what changes at 18. No bank is named and none has paid to appear. We do not take referral fees.
Four audiences, four questions, four answers — each one built for the person asking it rather than reskinned from the teacher's view.
Eight names and what to do about each, before first period. Fire a life event mid-lesson and watch a class react to it live.
Progress, never a balance — a screenshot of a balance is the thing most likely to be mistaken for a real account. English or Spanish, from day one.
Adoption and standards coverage for one building, at the current week, without waiting on a district export.
The coverage report with its gap column, an audit trail of every teacher intervention, and a privacy posture written to be forwarded to counsel.
Every item below is enforced in the build, not in a policy document. Several fail continuous integration if someone writes copy that contradicts them.
Every balance is denominated in a simulated in-world currency and labelled as simulated on every screen. No payment processing, no card issuance, no connection to a real bank account.
The proctored final records that a tab lost focus or that text was pasted. No room scans, no eye tracking, no keystroke biometrics, and nothing to install on a device.
First-party analytics only. No ad networks, no data brokers, no session recorders, no behavioural profiles, and student information is never sold.
Home address, date of birth, government identifier, race, disability status and biometrics are columns that do not exist in the database. A test inspects the schema on every change.
Designed for articulation and dual-enrollment partnerships. Credit is awarded solely by the partnering institution, at its discretion, under its own policies.
The demo is the argument
Maple Grove USD is a fictional district with 130 seeded students and a full simulated school year already behind it. Tell us who you are and it opens — no account, no password, nothing real inside. A two-minute guided walk first, then take a seat: a second-grader, a teacher between passing periods, or the district administrator presenting to a board on Tuesday.
learnfinancewith