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You Don't Need To Be A Financial Expert
To Teach Personal Finance

Access a standards-aligned personal finance curriculum, monitor classroom progress, deliver in-app assessments, and automatically collect student grades.

All while students build real-world money skills through an engaging high school financial literacy experience.
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Rapunzl financial literacy Portal Dashboard
Teach Personal Finance

Every Module is Ready-To-Teach With A Presentation, Pacing Guide & Assessment

Teachers are being asked to deliver high school financial literacy in more schools than ever, but many are also balancing limited prep time, mixed student readiness, and changing graduation requirements. Rapunzl is built to reduce that friction with a classroom system that combines standards-aligned lessons, teacher-facing resources, and hands-on student practice.

Whether you already teach personal finance or you are being asked to lead it for the first time, Rapunzl gives you a clearer path from lesson planning to instruction, assessment, and student engagement.

Teach even without a finance background

Rapunzl is designed for educators who need strong support materials, not just topic lists.

  • Teacher guides and ready-to-use lesson assets
  • Clear pacing across personal finance, investing, and financial math topics
  • Built-in resources that help teachers spend less time creating materials from scratch

Keep students engaged

Students learn personal finance more effectively when the content feels connected to real decisions and real outcomes.

  • Interactive simulator experiences tied to classroom instruction
  • Real-world scenarios involving saving, spending, credit, and investing
  • Course structures that make financial literacy feel active instead of passive

Track progress without extra busywork

Rapunzl supports instruction and visibility at the same time, so teachers can focus more on teaching and less on manual reporting.

  • In-app assessments and grade collection
  • Classroom monitoring tools for daily implementation
  • Cleaner reporting for teachers, schools, and district teams
  • Sign in with Google or Microsoft and bring in your Google Classroom roster, with no new passwords

Do You Teach In One Of the 44 States That Require Personal Finance To Graduate High School?

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Select a state on the map to see its details here.

All 50 states by personal finance graduation status, grouped by status. Select a state name to open its page where one is available.
StateStatusFirst graduating classCreditLaw or policyState page
Standalone course: 24 states
CaliforniaRequired: standalone courseClass of 2031One-semester (one-term) standalone personal finance courseAB 2927 (Pupil instruction: high school graduation requirements: personal finance)View page
ConnecticutRequired: standalone courseClass of 2027At least one-half (0.5) credit in personal financial management and financial literacyPublic Act 23-21 (personal financial management / financial literacy graduation requirement)View page
DelawareRequired: standalone courseClass of 2029One-half (0.5) credit standalone personal finance courseHouse Substitute 1 for HB 203View page
FloridaRequired: standalone courseClass of 2027One-half (0.5) credit standalone personal financial literacy & money management courseSB 1054 (2022) — Dorothy L. Hukill Financial Literacy Act; Fla. Stat. 1003.4282(3)(h); Rule 6A-1.09412, F.A.C.View page
GeorgiaRequired: standalone courseClass of 2028At least one-half (0.5) credit in financial literacy, in grade 11 or 12O.C.G.A. §20-2-149.4 (added by SB 220, 2022 Ga. Laws 723)View page
IndianaRequired: standalone courseClass of 2028A standalone Personal Financial Responsibility courseSEA 35 (2023) — Personal Financial Responsibility; IC 20-30-5-19View page
KansasRequired: standalone courseClass of 2027One-half (0.5) credit, one-semester standalone personal financial literacy courseKansas State Board of Education graduation requirement (K.A.R. 91-31-35), grounded in the personal-financial-literacy mandate under K.S.A. 72-3236View page
KentuckyRequired: standalone courseClass of 2029One (1) full credit, standalone financial literacy courseHB 342 (2025) — AN ACT relating to financial literacyView page
LouisianaRequired: standalone courseClass of 2028One unit (full credit), standalone Financial Literacy course (LDOE course code 160345)HB 103 (2023) → Act 267, La. R.S. 17:270; amended by Act 48 of 2025 (added postsecondary financial-aid content)View page
MichiganRequired: standalone courseClass of 2028One-half (0.5) credit standalone personal finance courseHB 5190 (Public Act 148 of 2022)View page
MinnesotaRequired: standalone courseClass of 2028Not specified in our data2023 education omnibus; Minn. Stat. 120B.024 (personal finance graduation requirement)View page
MissouriRequired: standalone courseAlready in effect (since 2006; amended 2019)One-half (0.5) credit personal finance5 CSR 20-100.190 — Missouri Code of State Regulations, Graduation Requirements for Students in Public High Schools (Personal Finance, 0.5 credit)View page
NebraskaRequired: standalone courseClass of 2024Not specified in our dataLB 452 (2021) — Financial Literacy Act; Neb. Rev. Stat. 79-3001 to 79-3003View page
North CarolinaRequired: standalone courseClass of 2024One (1.0) credit Economics and Personal Finance courseHB 924 (2019) — Economics and Personal Finance (EPF)View page
OhioRequired: standalone courseClass of 2026One-half (0.5) unit standalone financial literacy courseHB 110 (2021 budget) → ORC 3313.603 financial literacy requirementView page
OregonRequired: standalone courseClass of 2027One-half (0.5) credit Personal Financial Education (plus a separate Higher Education & Career Path Skills credit under SB 3)SB 3 (2023) — Personal Financial Education diploma requirementView page
PennsylvaniaRequired: standalone courseClass of 2030At least one-half (0.5) credit personal finance course, taken in grades 9-12Act No. 35 of 2023View page
South CarolinaRequired: standalone courseClass of 2027One-half (0.5) credit personal finance (Personal Finance course code 5141)Personal finance graduation requirement (state budget proviso / S.16 pathway); SBE course standardsView page
TennesseeRequired: standalone courseClass of 2013One-half (0.5) credit personal financePersonal finance graduation requirement (Public Chapter, ~2011); SBE High School Policy 2.103View page
TexasRequired: standalone courseClass of 2030One-half (0.5) credit in personal financial literacy (one semester)HB 27 (89th Legislature, 2025); Tex. Educ. Code §28.025(b-1)(4)View page
UtahRequired: standalone courseClass of 2008One-half (0.5) credit General Financial Literacy (GFL) courseGeneral Financial Literacy (GFL) requirement (State Board; ~2004)View page
VirginiaRequired: standalone courseClass of 2015One (1.0) credit Economics and Personal Finance (EPF) courseVa. Code 22.1-200.03 — Economics & Financial Literacy (Board of Education, ~2009)View page
West VirginiaRequired: standalone courseClass of 2028Personal finance course: one-half credit in statute (W. Va. Code 18-2-7c); WVDE Policy 2510 guidance lists 1 full credit (course code 1451)HB 3113 (2023) + State BOE Policy 2510 (personal finance graduation requirement)View page
WisconsinRequired: standalone courseClass of 2028One-half (0.5) credit personal financial literacy2023 Wisconsin Act 60View page
Inside another course: 15 states
AlabamaRequired: inside another courseNot listedPersonal finance delivered within the required 1-credit Career Preparedness courseCareer Preparedness requirement (State Board of Education / Alabama Course of Study)View page
ArizonaRequired: inside another courseNot listed0.5 credit, delivered within the existing required Economics half-credit; no additional credit was added by SB 1184SB 1184 (2019) — Laws 2019, Chapter 84 — amending A.R.S. §15-701.01; State Seal of Personal Finance Proficiency under A.R.S. §15-260View page
ArkansasRequired: inside another courseClass of 2021Typically 0.5 credit, varying by which of six ADE-approved course options a district usesAct 480 of 2017 (Personal Finance and Job Readiness Act, HB1442) plus companion Act 466 of 2017View page
IdahoRequired: inside another courseClass of 20241.0 credit — 'Economics and Financial Literacy,' one line item within the state's 5-credit Social Studies requirementHouse Bill 92 (2023), Idaho Code § 33-1615; implementing State Board rule IDAPA 08.02.03.105View page
IllinoisRequired: inside another courseNot listedMinimum of 50 minutes per day for 9 weeks somewhere in grades 9-12 (an instructional-time rule, not a credit)105 ILCS 5/27-305 (Consumer Education), recodified from 5/27-12.1 by P.A. 104-391; P.A. 102-0366 (SB 1830, 2021) allows a financial-literacy course to satisfy up to one semester of the social-studies creditView page
IowaRequired: inside another courseClass of 2021One-half (0.5) unit / one semester of financial literacyIowa Code §256.11(5)(k); enacted by 2018 Iowa Acts (SF 475 / SF 2415), cohort set by SF 139 (2019), embedded-delivery option added by SF 391 (2023)View page
MaineRequired: inside another courseNot listedPersonal finance embedded within the required 2 years of social studies and history; no separate credit minimum for personal finance alone20-A MRSA §4722, as amended by P.L. 2013, c. 244 (LD 843, 'An Act to Promote the Financial Literacy of High School Students')View page
MississippiRequired: inside another courseNot listedOne-half (0.5) credit of personal finance within the required yearlong College & Career Readiness courseCollege and Career Readiness (CCR) course requirement (State Board of Education)View page
MontanaRequired: inside another courseClass of 20260.5 credit in 'economics or financial literacy' (the two are interchangeable), within the state's 20-credit graduation minimum; deliverable via social studies, math, or CTEARM 10.55.905 (Montana Board of Public Education graduation-standards rule, approved March 2023); companion House Bill 535 (2023) added a statutory definition of 'financial literacy'View page
NevadaRequired: inside another courseClass of 2023One-half (0.5) credit of Economics (all diploma types), which must incorporate the state's financial-literacy content standardsSB 249 (2017) — Statutes of Nevada 2017, Chapter 456; codified at NRS 389.074. Amended by SB 314 (2019), AB 274 (2023), and SB 229 (2025).View page
New JerseyRequired: inside another courseClass of 20142.5 credits in 'financial, economic, business, and entrepreneurial literacy' (roughly a half-year equivalent), which may be spread across one or more qualifying coursesN.J.A.C. 6A:8-5.1(a)(1)(v) (2.5-credit HS graduation mandate); N.J.S.A. 18A:35-4.34 (2018, grades 6-8 instruction); standards issued via 2020 NJSLS Standard 9.1View page
New MexicoRequired: inside another courseClass of 2029No statewide standalone credit; personal financial literacy is embedded within the required Government/Economics course, part of the 4.0-credit Social Studies block. Schools must additionally offer a standalone Financial Literacy course, but students are not required to take itHB 171 (2024), 'Public School Graduation Requirements' (signed Feb. 9, 2024), carrying forward the embedded personal-financial-literacy language first added by HB 126 (2023); Social Studies Standards at 6.29.11 NMAC (2022)View page
North DakotaRequired: inside another courseNot listed0.5 unit if a district elects the stand-alone course option; otherwise no dedicated credit — content is embedded within existing required Economics or Problems of Democracy courseworkN.D. Century Code § 15.1-21-21 ('Financial literacy — Concepts of personal finance — Inclusion in curriculum'), amended and reenacted by HB 1533 (2025), which added the half-unit stand-alone course optionView page
OklahomaRequired: inside another courseClass of 20290.5 unit (one-half credit) if a district chooses the standalone option; otherwise no fixed credit (content embedded in existing courses or delivered via OSDE online modules)Passport to Financial Literacy Act — HB 1476 (2007), codified at 70 O.S. § 11-103.6h; substantially amended by HB 2158 (2024), Laws 2024, c. 264View page
South DakotaRequired: inside another courseNot listed0.5 credit (one-half unit) of personal finance OR economics, across the base diploma and all Advanced Endorsement tracksARSD 24:43:11:02(6) — South Dakota Board of Education Standards administrative rule ('one-half unit of personal finance or economics'); no statute mandates standalone personal financeView page
Standards-based: 5 states
ColoradoRequired: meet state standardsNot listedMust meet the Colorado Academic Standards for Financial Literacy; the requirement may be met through coursework aligned to the standardsHB25-1192 (Financial Literacy Graduation Requirement)View page
HawaiiRequired: meet state standardsClass of 2030No separate credit: students complete a financial literacy educational opportunity and document it through the Personal Transition Plan (PTP), itself a required half-credit course. Delivery is flexible (standalone elective, integrated into existing courses, self-paced, or another instructional design).HIDOE administrative financial literacy graduation requirement (announced January 9, 2026). SB2407 (2024) proposed a statutory one-course requirement but was not enacted.View page
New HampshireRequired: meet state standardsClass of 2027Ed 306.27 lists one-half (0.5) credit in economics, including personal finance; NH DOE's technical advisory calls personal finance literacy a stand-alone subject requirement and notes that the skills may also be embedded in an existing courseHB 1671 (2022, Chapter 273), adding personal finance literacy to the adequate-education learning areas in RSA 193-E:2-a; HB 1263 (2022) amending RSA 189:10; State Board minimum standards Ed 306.27View page
New YorkRequired: meet state standardsClass of 2030Not specified in our dataBoard of Regents amendment to §100.2(c) of the Regulations of the Commissioner of Education (new paragraphs (13)-(14)); no PF-specific statute enactedView page
Rhode IslandRequired: meet state standardsClass of 2024Flexible demonstration: a course, project, assessment, or other approved means of meeting the financial literacy standardsR.I. Gen. Laws 16-22-13 (financial literacy) — H 5491 / S 0092 (2021)View page
Standards, not required: 5 states
AlaskaStandards only, not required to graduateNot applicableNot applicableNot listedView page
MarylandStandards only, not required to graduateNot applicableNot applicableCOMAR 13A.04.06, 'Personal Financial Literacy Instructional Programs' (adopted by the Maryland State Board of Education, June 2010); no statewide graduation-requirement statute in forceView page
MassachusettsStandards only, not required to graduateNot applicableNot applicableChapter 438 of the Acts of 2018 ('An Act Relative to Financial Literacy in Schools,' amending G.L. c.69 §1Q) — a permissive framework that does not mandate instructionView page
VermontStandards only, not required to graduateNot applicableNot applicableNo PF graduation mandate enacted. VT State Board of Education adopted Jump$tart National Standards (Jan. 17, 2018); Education Quality Standards §§2120.5 & 2123.2 require districts to instruct and assess financial literacy. Act 73 of 2025 directed AOE to recommend new statewide graduation requirements.View page
WashingtonStandards only, not required to graduateNot applicableNot applicableNo PF graduation-requirement law enacted. Standing framework: RCW 28A.300.450-.468 (Financial Education Public-Private Partnership, est. 2009) and 2SSB 5720 (2022). Graduation-requirement bills HB 1915 (2024), 2SHB 1285 (2025-26), and SB 5849 (2026) all failed.View page
Not yet reviewed: 1 state
WyomingNot yet reviewedNot applicableNot applicableNot applicablePage coming soon

What the colors mean

  • Standalone course: 24 states24
  • Inside another course: 15 states15
  • Standards-based: 5 states5
  • Passed, not in effect yet: None right now0
  • Standards, not required: 5 states5
  • Legislation pending: None right now0
  • No statewide requirement: None right now0
  • Not yet reviewed: 1 state1
illustration of Rapunzl presentation guides and investing curriculum

Rapunzl Provides White-Glove Service,
All-Year Round

We recognize that personal finance can feel daunting and challenges this creates when implementing a personal finance program.

That's why we leverage our years of teaching in classrooms to provide professional development for teachers, offer in-depth teacher pacing guides, and routinely check-in with educators throughout the school year.
Gamified graduation hat to illustrate Rapunzl learning outcomes

Our Programs Offer
Real-World Certifications

Every Rapunzl certification provides an easy way for students to prove their achievements to colleges, employers, and scholarship programs. Students can instantly share their certifications on LinkedIn, download official certificates for resumes, and provide verified links for college applications.

This ensures that students’ hard work is recognized with credentials that carry real weight in academic and professional settings.
illustration of Rapunzl presentation guides and investing curriculum

Teachers Receive Guides Explaining What to Say & What to Ask

Rapunzl offers detailed step-by-step teacher guides that include engagement prompts and leading questions, making it easier for anyone to facilitate dynamic and interactive lessons.

These comprehensive personal finance and investing resources ensure teachers can effectively guide students through complex financial concepts while encouraging critical thinking and active participation.

Rapunzl, As Seen On...

Light Bulb For Rapunzl Personal Finance Curriculum
Our Educator Dashboard
Unlocks Personal Finance In Classrooms
Build Courses with Rapunzl Educator Dashboard
Get Started In Minutes
Upload a CSV or XLSX file to the Educator Dashboard with students first name, last name, and school email. We'll create their accounts, add them to a classroom, and share login details.
Pre-built Courses with Rapunzl Educator Dashboard
Pre-Built Courses
Access pre-built financial education courses that range from 3-week activities to multiple 14-week, semester-long programs.
Student Progress with Rapunzl Educator Dashboard
Monitor Student Engagement
Track students' performance, see what stocks they’re buying and selling, and how often they engage with the Rapunzl platform.
Customizable with Rapunzl Educator Dashboard
Fully Customizable
Incorporate external modules, modify sequencing, update assessments, and amend any course for your class.
Collect Grades with Rapunzl Educator Dashboard
Collect & Track Grades
Create customized quiz assessments from our question library, delivered through the Rapunzl platform.
Control your class data with Rapunzl Educator Dashboard
Control Your Class Data
Export grades and standards-alignment crosswalks for easy grading, transparency & accountability.
Get Free Standards Crosswalk
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Engagement Increases With Student Ownership Over Their Portfolios

Gamification enhances student engagement by transforming classrooms into interactive learning experiences, and provides an opportunity for building financial literacy through self-directed learning.

This increases student motivation by fostering a deeper understanding of subjects with hands-on activities and a real-time investment simulator, aiding in the development of critical thinking, problem-solving, and collaboration skills.
High School Financial Literacy

Plug-And-Play Courses Paced From 3 to 28 Weeks with Embedded Assessments

Strong financial literacy instruction needs more than good content. It also needs flexible pacing, clear assessments, and implementation support that works across different classrooms. Rapunzl helps schools create a stronger personal finance experience without forcing every teacher to build the course alone.

Flexible enough for different classroom models

  • Use Rapunzl as a semester course, unit sequence, intervention support, or enrichment resource
  • Adapt to business, economics, math, advisory, or CTE settings
  • Support middle school introduction or high school graduation pathways

Built for standards and accountability

  • Align instruction to national and state financial literacy standards
  • Support schools responding to graduation requirement changes
  • Give educators clearer evidence of student learning and course progress

Connected to real student outcomes

  • Students practice financial decision-making instead of only reading about it
  • Teachers can connect lessons to savings, credit, investing, and career readiness
  • The program helps make personal finance more relevant and memorable
google cloud logo showing compatability with Rapunzl curriculum

Rapunzl is hosted through Google Cloud and supports Google SSO to ensure our programs are accessible for every educator and student by leveraging Google's suite of accessibility features.

Teachers and students can also sign in with Google SSO, and teachers can bring in their Google Classroom rosters, so there are no new passwords to manage.
microphone stylistic

What Teachers Are Saying About Rapunzl

  • Rapunzl has been a game-changer for my students since I started using it in 2019. I can provide hands-on experience with real-world learning, bringing economic theories to life and enabling students to see the immediate impact of market changes while learning discipline in a risk-free environment.
    CTE and business teacherNew York City, NY
  • Rapunzl was an amazing resource when teaching my personal finance unit. My learners loved the interactive stock market simulation and still check their portfolios a month after concluding the unit. The activities regarding the basics of investing were incredibly helpful to get students engaged.
    Social sciences and civics teacherFargo, ND
  • Integrating Rapunzl into our curriculum has sparked renewed interest in math among my students and provided a risk-free way to teach about investing. It's been really helpful to bridge the gap between theory and practical skills by showing the real-world relevance of math skills.
    Mathematics teacherChicago, IL
  • My students never cared much about interest rates until they had money riding on them. When the Fed announced, they watched their own portfolios move, and that did more for them than three days of me at the whiteboard. Now they bring me headlines I haven't read yet.
    Economics teacherNew York City, NY
  • I've been teaching personal finance a long time and I've never had a class ask to keep using something after the unit ended. This one they did. Diversification stopped being a vocabulary word once they were the ones holding six positions, and the discussion questions saved me from writing my own.
    Personal finance teacherChicago, IL
  • I didn't have to rebuild my curriculum to fit it in, which is honestly my first question about anything new. The data is real but the money isn't, so I can let students lose badly and then talk about why. That conversation is the whole point, and normally I never get to have it.
    Math and economics teacherMiami, FL
  • Students who never said a word in class are now arguing about their picks. The competition is what got them in the door. What kept them there was figuring out that this is the same stuff their parents argue about at the kitchen table.
    Director of CTEDallas, TX
  • Middle schoolers ask me constantly when they'll ever use this. Now I have an answer. Percent change matters when it's your own return, and compound growth stops being a formula on the board once they can watch it happen to their account. My class got noticeably louder, in a good way.
    Middle school math teacherChicago Suburbs, IL
  • Most of my students don't have a bank account, so I can't start where most curriculum wants to start. This one begins at the beginning and builds, and nobody in my room got lost. The bigger thing is that nobody got embarrassed. When there's no real money involved, kids will admit what they don't know.
    Personal finance teacherChelsea, MA
  • My business and marketing course is built around it now. Students follow their positions, then stand up and explain to the class why they bought what they bought. Sitting through a bad week without panic-selling is a skill they'll use for a lot more than investing.
    Director of Career LearningCharleston, SC
  • Advisory used to be the block students slept through. Now some of them get there before I do. The daily check-in takes about two minutes, and then we end up in the kind of conversation about money and the future I've been fishing for since I started this job.
    Head of college and counselingNew York City, NY
  • I'm not a financial expert and I never wanted to fake being one in front of a class. The curriculum handles the content, so my job goes back to running the discussion and helping students connect what they're seeing to whatever they're planning after graduation.
    Economics teacherIndianapolis, IN
  • My students walked in convinced the market was rigged against people like them. Nobody talked them out of it. They got a portfolio, real data, and a semester to watch what actually happened, and by the end they'd argued themselves into much more complicated opinions. A few of them still think it's rigged. They just have better reasons now.
    Personal finance teacherLansing, MI

Educator FAQs

Do I need a finance background to teach with Rapunzl?
No. Rapunzl's curriculum is built so any teacher can deliver it with no finance background required. Every lesson comes with teacher materials, and complex concepts — from budgeting to portfolio diversification — are broken into classroom-ready activities.
How long does the curriculum take to teach?
It flexes to your schedule. Rapunzl scales from a 3-week unit up to a 28-week, year-long course, so you can run a short module or a full-year class from the same standards-aligned materials.
Is it aligned to my state's standards?
Yes. The curriculum is aligned to the Council for Economic Education's national standards and maps to state financial literacy requirements, with standards crosswalks built into the educator dashboard.
What does the simulator do?
Students manage a simulated $10,000 portfolio of stocks and crypto using live Nasdaq pricing, so they practice real investing decisions with zero real-world risk.
Is there a Spanish version?
Yes. Rapunzl's personal finance curriculum is available in both English and Spanish.
How much does it cost to try?
Teachers can create a free demo account to explore the curriculum and simulator before bringing it to a class.
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Get In Touch & We'll Map Rapunzl To Your State's Standards

Interested in financial literacy but not sure where to begin? Perhaps you have a specific question about Rapunzl’s curriculum or are currently exploring best-practices for implementing financial education in the classroom.

Whatever the reason, we’d love to connect and share our insights after spending over 1,000 hours teaching financial education in high schools across the country.

Book a call, drop us a note and let’s connect.