Free · No account needed · Built for high school students
Make smarter money decisions before they become real ones.
Play through senior year, college, your first credit card, and your first job — then keep learning with short lessons, missions, and calculators.
Financial Life Simulator
A 10–15 minute journey where every choice carries forward. Score Challenge points, unlock rewards, and get a personal Financial Future Report. Start playingCentspire Academy
19 short lessons across 6 pathways — now including scams and car loans — plus weekly Money Missions. Start learningHow it works
Learn it by living it
Make real decisions
Compare college offers, build budgets, handle surprises, and choose a job. Earlier choices shape your options later.
See what they cost
Every decision shows the math — loan payments, interest, take-home pay — with a short explanation in plain language.
Real 2025–26 federal loan rates and 2026 tax brackets. See sources
Get your report
Your Financial Future Report shows your strengths, what to review, and the lessons that will help most.
Keep growing
Lessons, missions, and calculators in the Academy build skills you’ll use for years — and track your progress.
Centspire Academy
Six learning pathways
Money Tools
Run the numbers yourself
Calculators that explain their results in plain language.
What will I pay each month?Uses the 2025–26 federal loan rate (6.39%) Car loan & real cost
What does a car really cost?Payment + interest + insurance, gas, and upkeep Monthly budget planner
Does my plan add up?Compared with the 50/30/20 guideline Savings growth
How can my money grow over time?Monthly compounding, like Investor.gov’s calculator