Kentucky Personal Finance Standards & Graduation Requirements
Kentucky is moving from embedded financial literacy standards to a dedicated standalone course under HB 342.
Kentucky at a glance
- Requirement
- Standalone course required
- Legislation or authority
- HB 342 (2025) — AN ACT relating to financial literacy
- Passed
- Signed by Gov. Beshear, March 24, 2025
- Takes effect
- Phased; standalone course requirement
- Course length
- Standalone financial literacy course
- State standards
- Kentucky Academic Standards for Financial Literacy / KDE Financial Literacy guidance
What Kentucky requires
Kentucky previously required financial literacy standards embedded within existing credits. HB 342, signed March 24, 2025, moves the state toward a dedicated financial literacy course instead.
KDE has issued supplemental course-code guidance for the transition. Districts should confirm the first fully-affected graduating class with KDE, as the requirement phases in.
Last reviewed against official sources on 2026-07-15.
How Rapunzl maps to Kentucky standards
Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Kentucky framework.
| Kentucky strand | CEE pillar | Rapunzl modules |
|---|---|---|
| Earning income | Earning Income | Taxes & IncomeCareers In Finance |
| Spending & saving | Saving | Saving Versus InvestingThe Basics Of Banking |
| Credit & debt | Managing Credit | The Power & Risks Of CreditHow To Make Loans Work For You |
| Investing | Investing | Welcome To The Stock MarketWhat Makes A Good Stock?ETFs & Mutual Funds |
| Risk management & insurance | Managing Risk | Diversification & RiskInsurance & Retirement |
| Financial decision-making | Financial Decision-Making | Financial StatisticsTop Investor Strategies |
Educators can request a full Kentucky standards crosswalk through the Educator Dashboard.
Standards alignment details: how Rapunzl covers Kentucky's personal finance standards
A standard-by-standard look at the Kentucky framework. 34 standards are covered across 15 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.
Grades 6-8
| Kentucky standard | Aligned Rapunzl modules |
|---|---|
| FL.M.1Develop and manage financial goals for the future based on one’s career choice and lifestyle expectations to meet the needs of individuals and families. | Budgeting & Spending |
| FL.M.2Explain how income can be earned or unearned. | Taxes & Income |
| FL.M.3Explain net income. | Taxes & Income |
| FL.M.4Compare a variety of credit sources from which consumers can choose. | The Power & Risks Of CreditHow To Make Loans Work For You |
| FL.M.5Compare the costs and benefits of buying on credit. | The Power & Risks Of Credit |
| FL.M.6Evaluate financial management resources and how they are needed to meet the goals of individuals and families. | Saving Versus InvestingThe Basics Of BankingBudgeting & Spending |
| FL.M.7Apply decision making strategies when buying products. | Saving Versus Investing |
| FL.M.8Compare and evaluate products and services. | Saving Versus InvestingInsurance & Retirement |
| FL.M.9Investigate how culture, media and technology impact the family and consumer decision making. | Saving Versus InvestingBudgeting & Spending |
| FL.M.10List examples of investments for current income and investments for future growth. | Welcome To The Stock MarketHow To Make Loans Work For YouWhat Makes A Good Stock?Diversification & RiskETFs & Mutual Funds |
| FL.M.12Research federal government depository insurance coverage and limits related to consumer bank and credit union accounts. | The Basics Of Banking |
| FL.M.13Investigate the use of insurance to cover risk of financial loss. | Insurance & Retirement |
Grades 9-12
| Kentucky standard | Aligned Rapunzl modules |
|---|---|
| FL.H.1Identify the financial impacts of a career choice. | Taxes & IncomeCareers In FinanceBudgeting & Spending |
| FL.H.2Analyze how economic conditions can affect income and career opportunities. | Taxes & IncomeThe Economy & Federal Reserve |
| FL.H.3Evaluate the costs of funding sources for post-secondary education and training. | The Power & Risks Of CreditHow To Make Loans Work For YouPaying For College |
| FL.H.4Analyze components of employment compensation. | Insurance & RetirementTaxes & Income |
| FL.H.5Analyze the factors that determine net income. | Taxes & Income |
| FL.H.6Develop strategies to control and manage credit and debt. | The Power & Risks Of Credit |
| FL.H.7Analyze the costs and benefits of using credit. (9-12) | The Power & Risks Of CreditHow To Make Loans Work For You |
| FL.H.8Identify why people make financial choices. | The Economy & Federal ReserveBudgeting & Spending |
| SFL.H.9Apply a formal decision-making model to make financial decisions. | Budgeting & Spending |
| FL.H.10Identify the components of a personal budgeting process. | Budgeting & Spending |
| FL.H.11Identify the major types of financial institutions. | The Basics Of Banking |
| FL.H.12Demonstrate how to use different payment methods. | Saving Versus InvestingThe Power & Risks Of CreditThe Basics Of Banking |
| FL.H.13Compare various types of financial professionals. | Careers In FinanceReading Company Financials |
| FL.H.14Examine implications of the time value of money. | Welcome To The Stock MarketSaving Versus InvestingHow To Make Loans Work For You |
| FL.H.15Evaluate investment alternatives. | Welcome To The Stock MarketHow To Make Loans Work For YouDiversification & RiskETFs & Mutual Funds |
| FL.H.16Explain the components of an investment strategy compatible with personal financial goals. | Welcome To The Stock MarketSaving Versus InvestingWhat Makes A Good Stock?Budgeting & Spending |
| FL.H.19Explain how government uses taxation. | Taxes & Income |
| FL.H.21Explain the role of the government in administering social insurance programs. | Taxes & Income |
| FL.H.22Identify the role of regulatory agencies. | The Power & Risks Of CreditTaxes & IncomeReading Company FinancialsThe Economy & Federal Reserve |
| FL.H.23Identify common types of risk management strategies. | Diversification & Risk |
| FL.H.24Analyze the costs and benefits of using various insurance management strategies. | Diversification & RiskInsurance & Retirement |
| FL.H.25Identify strategies for protecting personal financial info and resources. | The Power & Risks Of CreditThe Basics Of Banking |
Standards alignment for Kentucky is provided for planning and is updated annually. Educators can request a formatted Kentucky standards crosswalk through the Educator Dashboard.
Why Kentucky 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 Kentucky'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.
Kentucky personal finance requirement FAQ
Kentucky is moving from embedded financial literacy standards to a dedicated standalone course under HB 342.
The requirement is set by HB 342 (2025) — AN ACT relating to financial literacy.
Takes effect: Phased; standalone course requirement.
Standalone financial literacy course.
Kentucky'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.
Kentucky Academic Standards for Financial Literacy / KDE Financial Literacy guidance.
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 Kentucky 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 Kentucky standards crosswalk along with classroom access.
Bring Rapunzl to your Kentucky 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 Kentucky standards crosswalk.
Request DemoPersonal finance requirements in other states
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