Personal Finance and Business Education
Gamified for Homeschoolers

Over 10,000 homeschool students use our personal budget simulation, stock market game, and learning materials 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.

Learning Library Aligns to Standards

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

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

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 lessons 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.

Homeschool Resources

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 Learning Library 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 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 lessons with built-in assessments is designed to perfectly integrate with your classes.

Teachers can mix and match games and lessons, 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 minutes per week for each game they choose to include in their class. Students manage their long-term budget and/or stock game portfolio over the entire duration of their class, reinforcing long-term consequences for every action in an environment controlled by the teacher. The games are enhanced with our 300+ learning library, so teachers mix and match lessons with the games for a new experience every class period, uniquely tailored for your class!

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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, 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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My homeschooled kids are LOVING this, thank you so much!

Carol Maas


Who are we?

  • The leading provider of financial literacy games and simulations for universities, high schools, corporates and the general public.
  • Our various stock market and financial literacy simulations are used by over 20,000 professors/teachers worldwide and by over 100 corporations.
  • We are used in 80% of the top U.S. business schools.
  • For our Financial Literacy simulations, students learn to trade U.S. stocks, ETFs, bonds and mutual funds.
  • Founded in 1990 with over 10,000,000 students served.

How it works?

Students are given a scenario where they are working full-time and living on their own. They start with a virtual checking account with $1,000, as well as a savings account, credit card account and investment account with $10,000.

Students roll virtual dice to proceed through the weeks and learn to deposit their paychecks, pay all of their bills, start an emergency fund, learn to improve their credit score, and practice investing in the stock market. Meanwhile, life’s unexpected events keep happening that challenge their budgeting and cash management skills.

Find answers to other common questions and learn everything
you need to know so you can use our products in your classroom.

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Homeschool National Financial Literacy Challenge

Find out more about the Homeschool National Financial
Literacy Challenge. A new challenge starts each month!