Learn money.
Build your future.
Six free courses on budgeting, credit, investing and business, written by students for high schoolers. Finish all six and earn the FLC Certificate.
6 courses · 55 lessons · 230+ practice questions · 9 calculators · no account needed
Budget Calculator
Plan a month: see total spending, what's left, and your savings rate.
Taught in BudgetingYour numbers
After taxes — what actually reaches your account.
Results
Total spending
$1,500
75% of income
Remaining
$200
Not yet assigned
Savings rate
15%
$300 a month
- Spending $1,500
- Savings $300
- Remaining $200
Educational calculator, not financial advice. Results are hypothetical estimates based on the numbers you enter.
Six courses, one foundation.
Start with Money Fundamentals, then follow your curiosity. Take the courses in any order, at your own pace.
55 lessons, about 12 hours in all
See the full catalog
Money Fundamentals8 lessons · 1 hr 35 min · BeginnerHow money actually works — accounts, budgets, savings, interest, and inflation.
Credit & Debt7 lessons · 1 hr 25 min · BeginnerHow borrowing works, what a credit score means, and how to use credit without getting trapped.
Investing8 lessons · 1 hr 35 min · IntermediateWhat stocks, bonds, and index funds actually are — and how risk, diversification, and time fit together.
Understanding Businesses11 lessons · 2 hr 35 min · IntermediateRead a business like an analyst: revenue, profit, cash flow, balance sheets, and what makes a company worth something.
Entrepreneurship10 lessons · 2 hr · BeginnerGo from a problem worth solving to a product, a price, a first customer, and a pitch.
Money After High School11 lessons · 2 hr 20 min · BeginnerPaychecks, taxes, rent, cars, insurance, college costs, and student loans — before you face them alone.
Learn it, try it,
check it.
Every lesson takes 10 to 15 minutes and follows the same path. The question here is a real one from Credit Scores, lesson 2 of Credit & Debt.
Open Credit ScoresKnowledge check
Credit & Debt · Credit Scores
Which habit has the biggest effect on a FICO Score?
Read
A short lesson, a picture of the idea and a real-world example.
Try
A calculator or activity with numbers you can change.
Check
Questions that explain every answer, then the points to remember.
Finish all six.
Earn the certificate.
Complete every lesson and score 70% or more on each final quiz to print the FLC Certificate. Add it to a résumé or a college application.
Anyone can confirm it's real at learnwithflc.org/verify. It's free, like everything else.
How the certificate worksBuilt on primary sources.
Every lesson ends with its sources: 89 pages from the agencies that set the rules and publish the data. Lessons that depend on numbers that change are reviewed every year.
Internal Revenue Service
IRS
Consumer Financial Protection Bureau
CFPB
Securities and Exchange Commission
SEC
Federal Deposit Insurance Corporation
FDIC
Federal Reserve
Fed
Bureau of Labor Statistics
BLS
U.S. Department of Education
ED
Federal Trade Commission
FTC
Cited as sources for reference. These agencies don't sponsor, review, or endorse FLC. Read our editorial standards
Teach it with FLC.
Everything for all 55 lessons
- 45-minute lesson plans and slides
- Worksheets and unit tests with answer keys
- Live class quizzes on students' phones
- Class dashboards with each student's progress
Start a chapter
Bring FLC to your school as a club the students run themselves.
Pictures from public archives, showing the world of money, not FLC itself: Children of Gibbons Road School, Harlesden, paying in their weekly savings, Nationaal Archief (public domain); Sign illustrating installment buying, Waco, Texas, Library of Congress (public domain); NY Stock Exchange traders floor, 1963, by Thomas J. O’Halloran, Library of Congress (public domain); General store interior, Moundville, Alabama, 1936, by Walker Evans, Library of Congress (public domain); Youngster mans a roadside stand, by Al Stephenson, U.S. National Archives (public domain); Workers receiving paychecks, Mogollon, New Mexico, Library of Congress (public domain); Typing class at Business High School, Washington, D.C., Library of Congress (public domain).
