Middle School Personal Finance,
Math and Business Education Gamified

Over 5,000 Middle School teachers use our personal budget simulation, stock market game and curriculum every year.

Experiential Learning

Whether you are teaching Personal Finance, Economics, Business or Social Studies, our products provide real world experience.

Games are Fully Customizable by Class

Teachers configure the simulations to match their objectives and time frame.

Curriculum Aligns to Standards

Our games include embedded lessons and assessments to make sure students are always learning.

Budget Game
Aligned to Standards
300+ Embedded Lessons
300+ Lessons with Quizzes
Stock Market Game

Teaching Real Life Financial Literacy Skills
That Will Last a Lifetime

Financial Literacy for the Real World

Make sure your students become financially literate before they graduate. Engage them with real-world financial experience with our personal budgeting game or stock market game, or both! As students progress through the game, they compete for class rankings, earn badges, and ultimately receive certifications.

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Education Through Gamification

Whether you are using our virtual stock market simulation or our personal budgeting game, each includes embedded curriculum to make sure students are learning each step of the way. Site licenses are available for larger programs, trading rooms, and campus wide financial literacy initiatives.

Virtual Stock Trading Personal Budget Game

Teachers Easily Track Student Progress & Performance

  • Full admin section allows teachers to manage and review multiple class activity with one login
  • Assessments of performance by student in managing portfolios
  • Class rankings and statements can easily be downloaded into Excel for further analysis
  • Built-in assignments and pop quizzes to track and verify student completion
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Standards Aligned

Our curriculum of over 300+ Lessons aligns to a variety of National and State Standards. This includes JumpStart, Council for Economic Education, and CTE Standards.

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Experiential Learning

Whether you’re preparing your students for real-life budgeting situations or to introduce them
to the stock market, our K-12 products help prepare your students for their future.

What Students Say About Us


Recommended Use Cases


The PersonalFinanceLab.com platform is a unique teaching and learning tool for Financial Literacy and Business classes. Our combination of personal budgeting games, real-time stock games, and standards-based curriculum with built-in assessments is designed to perfectly integrate with your classes.

Teachers can mix and match games and curriculum, all with built-in assessments and dozens of customizable reports. Every aspect of PFinLab is designed to be customized to work with your existing classes, or use our pre-built course outlines with customizable lesson plans to launch a new class from scratch!

Our resources start by using our budgeting and stock games as long-term foundational activities – teachers usually dedicate at least 20 min.

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Create a Finance Lab!

We also work with schools to set up physical lab spaces – turning any classroom into the coolest room at the school!

You can start by taking any existing TV and upgrading it to a MarketInsight Display – schools that already have a site license to PersonalFinanceLab can get a MarketInsight Display feed for just $360/year (and can be used on up to 3 different screens).

We also work with schools who install colorful wall-to-wall tickers – the crown jewel of any lab space! Schools typically start using PersonalFinanceLab in their classes while their labs are still in the planning phase, and add on the tickers and LCD screens via grants or as funds become available.

Learn more about building a lab


At HowTheMarketWorks.com, you can practice trading online stocks and mutual funds. You can create your own contests and trading rules, practice trading on several portfolios, and best of all – registration is absolutely free!

The stock market game at HowTheMarketWorks is designed for the absolute novice so the screens are simple and easy to understand. You can create your own contest with custom trading dates and cash balance. Trading and portfolio updates are in real-time.

Just because the site is designed for beginners, don’t let that fool you. Our online stock market game is still packed with extensive quotes, charts, news and stock screeners to help you make better investing decisions and learn faster.

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I am doing what I can to keep my students interested and engaged and your product and service is making that happen. I will be sure to “sing your praises” about your product and support!

Erich Utrie, Jefferson Middle School

Student Accounts and Site License Pricing

Find out more about pricing information on our K-12 products,
including site license and district licenses.