
Rapunzl Course:
High School Personal Finance Curriculum & Course
This course aligns with middle and high school personal finance standards and includes enough curriculum for a full semester.
Topics Covered In This Course

Budgeting

Saving

Banking

Debit Cards

Credit

Loans

Income & Taxes

Investing

Insurance

Retirement
How do the 10 personal finance topics sequence across a semester?
One way to run it: an 18-week semester that opens with budgeting and money management, builds through credit, loans, and taxes, and finishes with investing, insurance, and retirement. Every module is self-contained, so the same sequence compresses to a 3-week unit or stretches to a full year.
Weeks 1–2BudgetingCEE Core Pillar: Spending22 slides · 1 activity · 4 articlesFocus: Build and manage a personal budget: income, fixed and variable expenses, and an emergency fund.
Weeks 3–4SavingCEE Core Pillar: Saving25 slides · 9 activities · 5 articlesFocus: Why saving early wins: savings plans, interest, and the saving-versus-investing decision.
Week 5BankingCEE Core Pillar: Spending21 slides · 4 activities · 5 articlesFocus: Accounts, interest, and fees — how banks work and how to choose one.
Week 6Debit CardsCEE Core Pillar: SpendingFocus: Responsible debit card use, overdrafts, and fraud protection — taught inside the banking module.
Weeks 7–8CreditCEE Core Pillar: Managing Credit22 slides · 8 activities · 9 articlesFocus: Credit scores, credit cards, and the real cost of borrowing.
Weeks 9–10LoansCEE Core Pillar: Managing Credit24 slides · 4 activities · 6 articlesFocus: Auto, student, and personal loans: terms, amortization, and when debt works for you.
Weeks 11–12Income & TaxesCEE Core Pillar: Earning Income21 slides · 5 activities · 8 articlesFocus: Paychecks, W-2s, withholding, and filing — where your money actually goes.
Weeks 13–15InvestingCEE Core Pillar: Investing18 slides · 7 activities · 7 articlesFocus: Stocks, risk, and diversification — applied live in the Rapunzl simulator.
Week 16InsuranceCEE Core Pillar: Managing Risk25 slides · 4 activities · 13 articlesFocus: Health, auto, renters, and life insurance: transferring the risks you can't afford.
Weeks 17–18RetirementCEE Core Pillar: Saving & InvestingFocus: 401(k)s, IRAs, and compound growth — why the semester ends where adult life begins.
Flexible Curriculum to Accommodate Different Learning Settings
Rapunzl's entire curriculum was designed to be modular and self-contained. That means that courses can scale to the schedule you have — ranging from a 1-month unit to a full 28-week, year-long course.

Aligned to State Standards & 6 CEE Pillars
Rapunzl's Personal Finance Course is standards-aligned to the CEE's six Core Pillars — Earning Income, Spending, Saving, Investing, Managing Credit, and Managing Risk. We provide published crosswalks for 48 of 50 states, mapping each state's personal finance requirement to specific Rapunzl modules.

A Personal Finance Curriculum Aligned With All State Standards
Get in touch with us to receive a roadmap for Rapunzl's state and national standards alignment, curriculum access, and login credentials for the simulator.

Accessible & Engaging Personal Finance Curriculum
All products are ADA compliant, making it suitable for educating students with diverse learning needs, including those who need support with English as a Second Language, Special Education, cognitive disabilities, and auditory processing.

Gamified Learning To Increase Personal Finance Engagement
This increases student motivation by fostering a deeper understanding of subjects with hands-on activities and a real-time investment simulator, aiding in the development of critical thinking, problem-solving, and collaboration skills.
Rapunzl's Personal Finance Course Has Proven Outcomes
Rapunzl measures financial literacy outcomes at the start and end of programs. By administering the same assessment, we are able to measure learning across the course and monitor students' growth.

What Teachers Are Saying About Rapunzl
Rapunzl has been a game-changer for my students since I started using it in 2019. I can provide hands-on experience with real-world learning, bringing economic theories to life and enabling students to see the immediate impact of market changes while learning discipline in a risk-free environment.
CTE and business teacherNew York City, NY Rapunzl was an amazing resource when teaching my personal finance unit. My learners loved the interactive stock market simulation and still check their portfolios a month after concluding the unit. The activities regarding the basics of investing were incredibly helpful to get students engaged.
Social sciences and civics teacherFargo, ND Integrating Rapunzl into our curriculum has sparked renewed interest in math among my students and provided a risk-free way to teach about investing. It's been really helpful to bridge the gap between theory and practical skills by showing the real-world relevance of math skills.
Mathematics teacherChicago, IL My students never cared much about interest rates until they had money riding on them. When the Fed announced, they watched their own portfolios move, and that did more for them than three days of me at the whiteboard. Now they bring me headlines I haven't read yet.
Economics teacherNew York City, NY I've been teaching personal finance a long time and I've never had a class ask to keep using something after the unit ended. This one they did. Diversification stopped being a vocabulary word once they were the ones holding six positions, and the discussion questions saved me from writing my own.
Personal finance teacherChicago, IL I didn't have to rebuild my curriculum to fit it in, which is honestly my first question about anything new. The data is real but the money isn't, so I can let students lose badly and then talk about why. That conversation is the whole point, and normally I never get to have it.
Math and economics teacherMiami, FL Students who never said a word in class are now arguing about their picks. The competition is what got them in the door. What kept them there was figuring out that this is the same stuff their parents argue about at the kitchen table.
Director of CTEDallas, TX Middle schoolers ask me constantly when they'll ever use this. Now I have an answer. Percent change matters when it's your own return, and compound growth stops being a formula on the board once they can watch it happen to their account. My class got noticeably louder, in a good way.
Middle school math teacherChicago Suburbs, IL Most of my students don't have a bank account, so I can't start where most curriculum wants to start. This one begins at the beginning and builds, and nobody in my room got lost. The bigger thing is that nobody got embarrassed. When there's no real money involved, kids will admit what they don't know.
Personal finance teacherChelsea, MA My business and marketing course is built around it now. Students follow their positions, then stand up and explain to the class why they bought what they bought. Sitting through a bad week without panic-selling is a skill they'll use for a lot more than investing.
Director of career learningCharleston, SC Advisory used to be the block students slept through. Now some of them get there before I do. The daily check-in takes about two minutes, and then we end up in the kind of conversation about money and the future I've been fishing for since I started this job.
Head of college and counselingNew York City, NY I'm not a financial expert and I never wanted to fake being one in front of a class. The curriculum handles the content, so my job goes back to running the discussion and helping students connect what they're seeing to whatever they're planning after graduation.
Economics teacherIndianapolis, IN My students walked in convinced the market was rigged against people like them. Nobody talked them out of it. They got a portfolio, real data, and a semester to watch what actually happened, and by the end they'd argued themselves into much more complicated opinions. A few of them still think it's rigged. They just have better reasons now.
Personal finance teacherLansing, MI

Get In Touch With Rapunzl
Whatever the reason, we’d love to connect and share our insights after spending over 1,000 hours teaching financial education in high schools across the country.
Book a call, drop us a note and let’s connect.
High school personal finance course FAQ
Yes. Rapunzl's personal finance curriculum scales from a 3-week unit up to a full 28-week, year-long course, so it works as a semester course or a shorter supplement. It covers budgeting, saving, banking, credit, loans, income and taxes, investing, insurance, and retirement.
Yes. The curriculum is standards-aligned to the six CEE Core Pillars — Earning Income, Saving, Spending, Investing, Managing Credit, and Managing Risk. We publish per-state standards crosswalks, and our team will align the course to your state's specific standards on request.
It's built for high school students in grades 9–12. Paired with Rapunzl's Financial Math course, it also supports younger students, so schools can cover financial literacy across grades 6–12.
No. The curriculum includes teacher guides, student-facing presentations, articles, and built-in assessments, plus an educator dashboard with grade export and standards crosswalks, so teachers can deliver it confidently without a finance background.
Yes. Students invest simulated $10,000 stock and crypto portfolios with live Nasdaq pricing — the same real-time simulator that has inspired more than 150,000 students since 2018. Concepts like compound interest and risk stop being abstract when students watch them move real market prices in their own portfolios.
Yes. Students who complete Rapunzl's program raise their financial-literacy scores from 34% before the program to 93% after — well above the 64% national average.
Yes. Rapunzl's personal finance curriculum is available in both English and Spanish.
Rapunzl is licensed to schools and districts through a quote based on your size and needs. Request a free educator demo and our team will walk you through pricing and setup.










