Florida Personal Finance Standards & Graduation Requirements
Florida requires a half-credit standalone personal financial literacy course to graduate, in effect now for every 9th-grade cohort since 2023-24 (first graduating class of 2027).
Florida at a glance
- Requirement
- Standalone course required
- Legislation or authority
- SB 1054 (2022) — Dorothy L. Hukill Financial Literacy Act; Fla. Stat. 1003.4282(3)(h); Rule 6A-1.09412, F.A.C.
- Passed
- Signed by Gov. DeSantis, March 22, 2022
- Takes effect
- Applies to students entering grade 9 in 2023-24 and thereafter
- First graduating class affected
- Class of 2027
- Course length
- One-half (0.5) credit standalone personal financial literacy & money management course
- State standards
- Florida B.E.S.T. Social Studies Standards — Personal Financial Literacy strand (SS.912.FL)
What Florida requires
The Dorothy L. Hukill Financial Literacy Act (SB 1054) requires a half credit of personal financial literacy within the 24 credits Florida students need for a standard diploma. It applies to students who entered 9th grade in 2023-24 and after — the class of 2027 onward — and is already being fulfilled by current 9th–12th graders.
The content is codified as the SS.912.FL benchmarks in Florida's B.E.S.T. Social Studies Standards, delivered through CPALMS course #2102371 (Personal Finance and Money Management).
Last reviewed against official sources on 2026-07-15.
How Rapunzl maps to Florida standards
Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Florida framework.
| Florida strand | CEE pillar | Rapunzl modules |
|---|---|---|
| Financial attitudes & behaviors | Financial Decision-Making | Financial StatisticsTop Investor Strategies |
| Earning income | Earning Income | Taxes & IncomeCareers In Finance |
| Buying goods and services | Spending | The Basics Of BankingBuying Your First HomePaying For College |
| Saving | Saving | Saving Versus InvestingThe Basics Of Banking |
| Using credit | Managing Credit | The Power & Risks Of CreditHow To Make Loans Work For You |
| Financial investing | Investing | Welcome To The Stock MarketWhat Makes A Good Stock?ETFs & Mutual Funds |
| Protecting and insuring | Managing Risk | Diversification & RiskInsurance & Retirement |
Educators can request a full Florida standards crosswalk through the Educator Dashboard.
Standards alignment details: how Rapunzl covers Florida's personal finance standards
A standard-by-standard look at the Florida framework. 20 standards are covered across 14 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.
Florida Personal Finance Standards
Financial Literacy Social Studies Alignment
| Florida standard | Aligned Rapunzl modules |
|---|---|
| SS.912.FL.1: Understanding the attitudes and behaviors of personal financial decision making. read more | Welcome To The Stock MarketSaving Versus InvestingThe Power & Risks Of CreditBudgeting & Spending |
| SS.912.FL.2: Explore and evaluate the benefits and costs (including tax implications) of various paths toward earning income. read more | Taxes & IncomePaying For College |
| SS.912.FL.3: Explore and evaluate the role, influences and legal responsibility of being a consumer of goods and services. read more | The Economy & Federal Reserve |
| SS.912.FL.4: Identify and compare the different means and risks of saving and investing money, including the impact of inflation and interest rates. read more | Saving Versus InvestingDiversification & RiskThe Basics Of Banking |
| SS.912.FL.5: Identify and analyze the benefits, risks, associated fees and laws that consumers should consider when choosing to buy on credit. read more | The Power & Risks Of CreditBuying Your First HomeSaving Versus InvestingInsurance & Retirement |
| SS.912.FL.6: Identify and analyze the means, types and risks of financial investing including personal and societal influences and the government’s role in regulating investments. read more | Diversification & RiskTaxes & IncomeESG & Social Impact |
| SS.912.FL.7: Identify and analyze methods of protecting financial investments and personal information. read more | Diversification & RiskThe Economy & Federal Reserve |
Standards alignment for Florida is provided for planning and is updated annually. Educators can request a formatted Florida standards crosswalk through the Educator Dashboard.
Why Florida schools choose Rapunzl
Rapunzl pairs a standards-aligned curriculum with a real-time investment simulator, so students learn personal finance by making real decisions with simulated $10,000 portfolios priced on live market data — not by reading about it. The curriculum scales from a three-week unit to a 28-week year-long course, which means it fits whichever shape Florida's requirement takes in your district.
- 100,000+students have completed Rapunzl's curriculum
- 93%average financial literacy scores on national test over past 5 years, 24% above average
- 31interactive modules that can be customized into a course progression for your classroom
- 20+hours of gameplay in 2 interactive mini-games alongside our investment simulator and financial calculators
Teachers get an educator dashboard with grade export and standards crosswalks, English and Spanish materials, screen-reader accessibility, and a free national scholarship competition their students can enter each January.
Florida personal finance requirement FAQ
Florida requires a half-credit standalone personal financial literacy course to graduate, in effect now for every 9th-grade cohort since 2023-24 (first graduating class of 2027).
The requirement is set by SB 1054 (2022) — Dorothy L. Hukill Financial Literacy Act; Fla. Stat. 1003.4282(3)(h); Rule 6A-1.09412, F.A.C..
Takes effect: Applies to students entering grade 9 in 2023-24 and thereafter.
One-half (0.5) credit standalone personal financial literacy & money management course.
Florida's requirement is a standalone course requirement.
In practice that means a dedicated class of its own, taken for credit, rather than a few personal finance lessons folded into another subject.
The Class of 2027 is the first graduating class that has to meet it, so earlier classes are not held to the requirement.
Timeline: Applies to students entering grade 9 in 2023-24 and thereafter.
If you are planning a course now, that timeline is the window to have curriculum in place before Florida starts holding students to it.
Florida B.E.S.T. Social Studies Standards — Personal Financial Literacy strand (SS.912.FL).
Rapunzl's curriculum is built on the Council for Economic Education's six pillars: Earning Income, Spending, Saving, Investing, Managing Credit, and Managing Risk. Those pillars map to every strand in the framework, which is why the same course can satisfy standards that are worded differently from one state to the next.
Yes. Rapunzl's modules and real-time investing simulator cover the CEE six pillars, and those pillars crosswalk to the Florida strands listed on this page.
Students learn by making real decisions with a simulated $10,000 portfolio priced on live market data, and teachers get an educator dashboard with grade export, materials in English and Spanish, and screen-reader accessibility.
Request a demo and we'll send the Florida standards crosswalk along with classroom access.
Bring Rapunzl to your Florida classroom
Explore the curriculum and real-time simulator free for 30 days. Tell us about your school and we'll send your all-access demo along with the Florida standards crosswalk.
Request DemoPersonal finance requirements in other states
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