K-12 Financial Literacy Platform

Financial confidence for every student.

FinSmarts Academy helps schools, families, and youth programs teach money skills through guided lessons, simulations, games, real-world challenges, and progress tracking that grows from kindergarten through graduation.

Join the Launch Waitlist Explore for Schools
Standards-based lessons Decision-based learning Progress dashboards
Student Progress Preview
Sample student progress preview
Active Track
100%Aligned
4Tracks
200+Modules
Explorer K-245%
Builder 3-570%
Strategist 6-885%
Investor 9-1295%
🏆
Money Mission Complete Students earn badges for budgeting, saving, credit, investing, and entrepreneurship.
FERPA Aligned Standards-Based Educator Approved Built for K-12
Why FinSmarts Exists

Financial illiteracy is not a small gap. It follows students into adulthood.

FinSmarts Academy was created because students need more than definitions. They need guided practice before real money decisions become real financial pressure.

“We are not just teaching kids about money. We are helping them build confidence, choices, discipline, and a future they can own.”

Stats shown below summarize findings from TIAA Institute-GFLEC, FINRA Foundation’s National Financial Capability Study, and the Council for Economic Education.

49%

Adults are missing key money concepts.

U.S. adults correctly answered only about half of the 2025 P-Fin Index questions, showing that financial literacy remains low and stagnant.

Source: TIAA Institute-GFLEC, 2025
26%

Spending pressure is rising.

FINRA’s 2024 study found the share of adults spending more than their income rose to an all-time high for the study.

Source: FINRA Foundation NFCS, 2024
63%

Money stress is becoming normal.

Nearly two-thirds of adults said thinking about personal finances can make them feel anxious in the latest NFCS wave.

Source: FINRA Foundation NFCS, 2024
10M+

The education gap is being recognized.

New personal finance requirements are expanding guaranteed access for millions of K–12 students, but communities still need practical implementation support.

Source: Council for Economic Education, 2024
The FinSmarts Learning Method

Learn it. Practice it. Apply it. Track it.

FinSmarts does not just teach money terms. It guides students through a repeatable learning journey where they understand the concept, make decisions, build habits, and see their growth.

Step 01

Learn the Concept

Students begin with clear, age-appropriate lessons that explain money in plain language without overwhelming jargon.

Example: What is interest, and why does it matter when saving or borrowing?
Step 02

Practice the Decision

Students use scenarios, games, and guided money missions to choose, compare, adjust, and reflect.

Example: You earned $25. What goes to saving, spending, giving, or investing?
Step 03

Apply the Habit

Students connect lessons to everyday behavior: setting goals, tracking choices, delaying spending, and thinking long term.

Example: Build a savings goal and decide what tradeoffs help you reach it faster.
Step 04

Track the Growth

Families, teachers, and program leaders can see student progress, completed modules, strengths, and support needs.

Example: Review completed missions, badges earned, and skills that need reinforcement.

One method. Four learning tracks. Every stage of development.

The same learning flow supports Explorer K–2, Builder 3–5, Strategist 6–8, and Investor 9–12, so FinSmarts grows with the student instead of feeling like a one-time lesson.

View Learning Tracks
Learning Tracks

Four tracks. One continuous journey.

FinSmarts grows with the student from first money concepts to real-world financial independence.

Track 01K-2 · 5 Modules

Explorer

Ages 5–7
  • Coins, Bills & Making Change
  • Needs vs. Wants
  • Saving vs. Spending
  • The Piggy Bank Game
  • My First Budget
Join to Access →
Track 023-5 · 5 Modules

Builder

Ages 8–10
  • Ways to Earn Money
  • The Future-First Formula™
  • Savings Goals & Banking
  • Intro to Investing
  • Entrepreneurship Basics
Join to Access →
Track 036-8 · 5 Modules

Strategist

Ages 11–13
  • Credit Scores & Debt
  • Taxes & Take-Home Pay
  • Compound Interest
  • Budgeting & Money Systems
  • Stock Market Basics
Join to Access →
Track 049-12 · 5 Modules

Investor

Ages 14–18
  • 📂 Portfolio Building
  • 📋 Business Profit & Loss
  • 🧾 Income Taxes
  • 🏖️ Retirement Planning
  • Real Estate & Net Worth
Join to Access →
Who We Serve

Built for every place students learn.

FinSmarts can support classrooms, after-school programs, mentorship groups, youth ministries, homeschool families, and community initiatives with a clear path from instruction to implementation.

Families & Parents

Give children trusted screen time that builds practical money confidence at home.

  • Simple parent-guided money lessons
  • Homeschool-friendly curriculum support
  • Progress students can see and celebrate

Schools & Districts

Launch a structured K–12 financial literacy solution that is easy for educators to implement.

  • Grade-level learning tracks
  • Teacher-friendly activities and reporting
  • Flexible support for financial literacy mandates

Community Organizations

Bring high-engagement money education to youth cohorts, mentoring programs, and nonprofits.

  • After-school and summer-ready delivery
  • Flexible cohorts, workshops, and live sessions
  • Designed for community impact and access

Financial Institutions

Sponsor meaningful youth financial education that strengthens community trust and outreach.

  • Community impact partnerships
  • Sponsored learning cohorts
  • Co-branded education opportunities
Pricing

Flexible access for families, classrooms, and organizations.

Transparent pricing for families, schools, and organizations. Every plan includes full access to all 20 modules.

Individual

Individual

$99/yr

One child. Full access to all 20 modules across all 4 tracks.

  • 1 student profile
  • All 4 learning tracks (K–12)
  • 20 interactive modules
  • Progress tracking
  • Completion certificates
Join Waitlist
Most Popular

Family

$149/yr

Up to 4 children. Best value for families with kids of different ages.

  • Up to 4 student profiles
  • All 4 learning tracks (K–12)
  • 20 interactive modules
  • Parent progress dashboard
  • Completion certificates
  • Priority support
Join Waitlist
Schools & Orgs

Classroom

$299/yr

For teachers, schools, and youth organizations ready to launch.

  • 1 teacher · up to 35 students
  • All 4 tracks & 20 modules
  • Teacher dashboard & reporting
  • Standards-based lesson map
  • Completion certificates
  • Onboarding support
Book a School Call
School-Wide

School License

$2,499/yr

Up to 10 teachers, unlimited students. Full admin dashboard included.

  • Unlimited student seats
  • Up to 10 teacher accounts
  • School-wide reporting & analytics
  • Standards-based lesson mapping
  • Live session add-ons available
  • Dedicated onboarding support
Book a Call
Enterprise

District & Partner

From $8,000/yr

Multi-school districts, nonprofits, financial institutions, and grant-funded programs.

  • Multi-school & district-wide access
  • Unlimited teachers & students
  • Custom implementation planning
  • Live & in-person programming
  • Co-branded options available
  • Grant funding guidance
Discuss Partnership

📅 Live Sessions available as add-ons for any plan  ·  Virtual workshops from $149/session  ·  In-person from $499/session

FeatureIndividualFamilyClassroom+
All 20 interactive modules✓✓✓
All 4 age-calibrated tracks✓✓✓
Completion certificates✓✓✓
Multiple student profiles—✓✓
Teacher & cohort reporting——✓
Live session add-ons—Optional✓
Grant funding support——✓
Launch Waitlist

Be first to bring FinSmarts Academy to your students.

Join the early access list for platform updates, pilot opportunities, founder pricing, and rollout support.

250+Early Seats
0Tracks
30minSetup Goal
  • Priority access to pilots and school demos
  • Founder pricing before public rollout
  • Implementation guidance for classrooms and cohorts
  • Updates as new games, modules, and dashboards launch
FERPA Aligned Standards-Based Educator Approved

Request early access

Tell us who you serve and how FinSmarts Academy can support your students.

Your information is private and will never be sold or shared.

Emmanuel, Founder of FinSmarts Academy
Emmanuel S. Desmolieres
Founder, FinSmarts Academy
Founder's Vision

Meet Emmanuel

As the founder of Planning & Prospering and the visionary behind FinSmarts Academy, I have dedicated my career to making financial literacy accessible, practical, and highly engaging for the next generation.

I believe that financial literacy is not just a personal asset, but a fundamental cornerstone of community empowerment and economic equity. By teaching children how money works early, we equip them with the resilience and foresight needed to build a secure future.

FinSmarts Academy is built on the belief that financial literacy should be a right, not a privilege. Our platform is designed to be accessible to schools and community organizations, ensuring that every child, regardless of background, has the opportunity to prosper.

Planning & Prospering Initiative
A K–12 Youth Financial Literacy Platform built for schools, community centers, and families.

Every child deserves a
financial foundation.

Financial literacy is not a privilege reserved for certain families or certain schools. It is a right, and FinSmarts Academy is how we make it a reality for every child, every background, every future.

Join the Waitlist → Book a Call for Schools
Join the Waitlist