How much personal finance does Missouri require?

One-half (0.5) credit personal finance. Missouri'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.

What personal finance standards does Missouri use?

Missouri Personal Finance Learning Standards (DESE). 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.

Does Rapunzl's curriculum align to Missouri standards?

Yes. Rapunzl's modules and real-time investing simulator cover the CEE six pillars, and those pillars crosswalk to the Missouri 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 Missouri standards crosswalk along with classroom access.

Missouri Personal Finance Standards & Graduation Requirements

Missouri at a glance

Requirement: Standalone course required
Legislation or authority: Personal finance graduation requirement (RSMo 170.014); State Board standards updates
Passed: Statute enacted 2006; implemented ~2010; standards revised (State Board action)
Course length: One-half (0.5) credit personal finance
State standards: Missouri Personal Finance Learning Standards (DESE)

Read the official Missouri standards

What Missouri requires

Missouri has long required a half credit of personal finance for graduation, under a statute enacted in 2006 and implemented around 2010.

DESE has since updated the Personal Finance Learning Standards. Delivery options include Social Studies and Business (BMIT), or a dedicated course.

Last reviewed against official sources on 2026-07-15.

How Rapunzl maps to Missouri standards

Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Missouri framework.

Missouri strand	CEE pillar	Rapunzl modules
Income & careers	Earning Income	Taxes & Income Careers In Finance
Money management & budgeting	Spending	The Basics Of Banking Buying Your First Home Paying For College
Saving & investing	Investing	Welcome To The Stock Market What Makes A Good Stock?ETFs & Mutual Funds
Credit & debt	Managing Credit	The Power & Risks Of Credit How To Make Loans Work For You
Risk management & insurance	Managing Risk	Diversification & Risk Insurance & Retirement
Financial decision-making & consumer protection	Financial Decision-Making	Financial Statistics Top Investor Strategies

Educators can request a full Missouri standards crosswalk through the Educator Dashboard.

Standards alignment details: how Rapunzl covers Missouri's personal finance standards

A standard-by-standard look at the Missouri framework. 32 standards are covered across 12 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.

Income (I)

Missouri standard	Aligned Rapunzl modules
Identify components and sources of income	Taxes & Income
Analyze how career choice, education, skills, and economic conditions affect income and goal attainment -	Taxes & Income Careers In Finance
Relate taxes, government transfer payments, and employee benefits to disposable income -	Taxes & Income

Money Management (MM)

Missouri standard	Aligned Rapunzl modules
Explain how limited personal financial resources affect the choices people make -	Saving Versus Investing
Identify the opportunity costs of financial decisions -	Saving Versus Investing
Evaluate the consequences of personal financial decisions -	Saving Versus Investing
Apply a decision-making process to personal financial choices -	Saving Versus Investing
Summarize how inflation affects spending and saving decisions -	Welcome To The Stock Market Saving Versus Investing
Evaluate how insurance (e.g., auto, home, life, medical and long-term health) and other risk-management strategies protect against financial loss -	Insurance & Retirement
Design a financial plan (budget) for earning, spending, saving, and investing -	Saving Versus Investing
Demonstrate how to use the services available from financial institutions -	The Basics Of Banking
Analyze the role of the Federal Reserve in controlling the money supply -	The Basics Of Banking The Federal Reserve

Spending and Credit (SC)

Missouri standard	Aligned Rapunzl modules
Compare the benefits and costs of alternatives in spending decisions -	Saving Versus Investing
Evaluate information about products and services -	Saving Versus Investing
Compare the advantages and disadvantages of different payment methods -	Saving Versus Investing The Power & Risks Of Credit
Analyze the benefits and cost of consumer credit -	The Power & Risks Of Credit How To Make Loans Work For You
Compare sources of consumer credit (e.g., credit cards, consumer loans, auto loans, student loans) -	The Power & Risks Of Credit How To Make Loans Work For You
Evaluate the terms and conditions of credit cards and consumer loans -	The Power & Risks Of Credit How To Make Loans Work For You
Evaluate factors that affect creditworthiness -	The Power & Risks Of Credit
Explain the purpose and components of credit records -	The Power & Risks Of Credit How To Make Loans Work For You
Demonstrate awareness of consumer protection and information (e.g - identity theft, phishing, scams) -	The Power & Risks Of Credit
Propose ways to avoid or correct credit problems -	The Power & Risks Of Credit
Describe the rights and responsibilities of buyers and sellers under consumer protection laws -	The Power & Risks Of Credit

Saving and Investing (SI)

Missouri standard	Aligned Rapunzl modules
Compare consumer choices for saving and investing -	Saving Versus Investing
Explain the relationship between saving and investing -	Saving Versus Investing
Examine reasons for saving and investing, e.g., time value of money -	Saving Versus Investing
Compare the risk, return, liquidity, manageability and tax aspects of investment alternatives -	What Makes A Good Stock?Diversification & Risk Taxes & Income
Demonstrate how to buy and sell investments -	Welcome To The Stock Market
Analyze factors affecting the rate of return on investments (e.g., Rule of 72, simple interest, compound interest) -	Saving Versus Investing
Evaluate sources of investment information -	What Makes A Good Stock?
Examine how agencies that regulate financial markets protect investors -	Careers In Finance Reading Company Financials
Demonstrate how to evaluate advisors’ credentials and how to select professional advisors and their services.	ETFs & Mutual Funds

Standards alignment for Missouri is provided for planning and is updated annually. Educators can request a formatted Missouri standards crosswalk through the Educator Dashboard.

Why Missouri 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 Missouri'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.