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Money Fundamentals
How money actually works — accounts, budgets, savings, interest, and inflation.
- Difficulty: Beginner
- 8 modules
- Estimated time: 1 hr 35 min
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FreeOnlineSelf-paced
Learn Money.
Build Your Future.
Free financial education designed for students, covering money, credit, investing, business, and entrepreneurship.
- No account needed
- Designed for ages 14–18
- Student-led
Why FLC Academy
Learn how money works before you're expected to manage it.
Most people learn about taxes, credit, and interest the hard way — after the first paycheck, the first card, the first loan. FLC Academy is the head start.
Practical
Learn things you'll actually use — paychecks, budgets, credit, and more.
Free
Financial education should be accessible. Every course and tool is free.
Built for Students
No finance degree required. Clear explanations that don't talk down to you.
Learn by Doing
Courses, challenges, and interactive tools — not just reading.
Courses
Six courses. One solid foundation.
Start with Money Fundamentals, then go wherever your curiosity takes you — credit, investing, business, or starting something of your own.
- In development
Credit & Debt
How borrowing works, what a credit score means, and how to use credit without getting trapped.
- Difficulty: Beginner
- 7 modules
- Estimated time: ~1 hr 25 min (est.)
Preview syllabus - In development
Investing
What stocks, bonds, and index funds actually are — and how risk, diversification, and time fit together.
- Difficulty: Intermediate
- 8 modules
- Estimated time: ~1 hr 35 min (est.)
Preview syllabus - In development
Understanding Businesses
Read a business like an analyst: revenue, profit, cash flow, balance sheets, and what makes a company worth something.
- Difficulty: Intermediate
- 11 modules
- Estimated time: ~2 hr 35 min (est.)
Preview syllabus - In development
Entrepreneurship
Go from a problem worth solving to a product, a price, a first customer, and a pitch.
- Difficulty: Beginner
- 10 modules
- Estimated time: ~2 hr (est.)
Preview syllabus - In development
Money After High School
Paychecks, taxes, rent, cars, insurance, college costs, and student loans — before you face them alone.
- Difficulty: Beginner
- 11 modules
- Estimated time: ~2 hr 20 min (est.)
Preview syllabus
How lessons work
Not just articles. Every lesson is built to stick.
Each 10–15 minute module follows the same seven steps, so you always know what's coming — and you walk away able to use it.
- Step 1Short lessonThe idea, in plain language.
- Step 2Visual explanationA diagram or chart that makes it click.
- Step 3Real-world exampleA realistic situation, start to finish.
- Step 4Try it yourselfA calculator or activity to test the idea.
- Step 5Knowledge checkScenario questions, not vocabulary drills.
- Step 6SummaryThe whole lesson in a paragraph.
- Step 7What to rememberThe few points worth keeping forever.
Interactive tools
Run the numbers yourself.
Free calculators for budgets, compound growth, and loans. Change the inputs and watch what happens.
- Budget CalculatorPlan a month: see total spending, what's left, and your savings rate.Open calculator
- Compound Growth CalculatorSee how a starting amount and monthly contributions could grow over time.Open calculator
- Loan CalculatorFind the monthly payment, total paid, and total interest on a fixed-rate loan.Open calculator
FLC Financial Challenge
Put what you've learned to the test.
A competition built on FLC Academy courses, with categories in financial literacy, investing analysis, business analysis, and entrepreneurship. Details are being finalized.
Learn about the ChallengeStatus: In planning
Financial Literacy
Scenario-based questions on budgeting, banking, credit, and everyday money decisions.
Investing Analysis
Explain investment concepts, risk, and diversification — no stock-picking contests.
Business Analysis
Break down how a real company makes money, what it owns and owes, and what could go wrong.
Entrepreneurship
Pitch a business idea with a clear problem, customer, price, and plan.
Bring FLC to your school
For classrooms, clubs, and whole schools.
For teachers
Use FLC Academy as a free supplement in any class. Assign a 15-minute module, project a calculator, or use the knowledge checks as exit tickets. Students don't need accounts.
Bring FLC Academy to your classroomStart an FLC chapter
Financial Literacy Club is student-led. Any school can start a chapter with a faculty sponsor and a few interested students — and use the full curriculum for free.
Start a chapterStart Learning for Free
No account. No cost. Just the money skills you'll actually use.