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Free Online Personal Finance Lesson Plans & Resources for Educators


This list of resouces provides educators with some free curriculum, activities, and resources that meet national content standards for the classroom. This is not meant to be an all-inclusive list of resources and NDSU does not endorse any of the products.

Building Your Future

This four-part financial literacy program features interactive PDFs to provide high school students with hands-on experience in all phases of money management, from spending wisely through investing for long-term wealth. Along the way, students practice the math skills essential for a financially healthy life, including the use of modern math technologies such as spreadsheets and online calculators.


The FoolProof financial literacy curriculum is a highly interactive, self-grading group of online modules.  The modules teach youth about money, financial responsibility and the realities of the free enterprise system. FoolProof modules take the average student about twenty-two 45-minute classroom sessions to complete. There are a total of 18 modules, you can use one or all.

High School Financial Planning

The HSFPP's plan-driven approach doesn't just teach information or show students how to manage a financial task – it guides them to do it for themselves so they can apply financial decisions to their own lives and return in the future to do it again successfully.


The course includes the content areas of income, expenses, saving and investing, credit, and insurance. The high school and college course is designed to be used as all or part of a course in economics, business, math, social studies or wherever personal finances are taught. Students can access the modules in the classroom, home, or wherever an Internet connection is available. Built-in quizzes test students' grasp of each concept.

Money Smart for Young People

The FDIC's Money Smart for Young People series consists of four free curriculum products. Each age-appropriate curriculum includes lesson plans for educators along with guides for parents and caregivers. The materials are available for immediate download.

NextGen Personal Finance

Tons of games, lesson plans, and activities for a personal finance class. Their mission is to revolutionize the teaching of personal finance in all schools and to improve the financial lives of the next generation of Americans. Great if you are already using Google Classroom.

Practical Money Skills

Educators can use the 22 free, standards-aligned lessons in sequence or on an individual basis. Practical Money Skills promotes learning through collaboration, real-world connections and communication tools. Each lesson includes a Teacher’s Guide, which provides an overview, essential question, lesson, teacher’s tips and answer keys. There are also student activity sheets for each lesson that features one of three activity sheets.

Take Charge Today

Take Charge Today - A program and curriculum with a decision-based approach to personal finance. Formerly Family Economics & Financial Education, Take Charge Today provides a consistent framework for thinking through financial choices in order to improve well-being.