A library of free, standards-aligned simulators covering every domain of personal finance. Drop a scenario into any class — no prep, no setup, no student accounts.
Each scenario is a 15–20 minute interactive simulation. Students make real decisions and see the financial consequences play out — immediately.
Students input a starting salary, navigate taxes, choose health insurance plans, and set up their 401(k) — then see exactly where every dollar went before it hits their account.
Students build a real monthly budget from their simulated paycheck — rent, groceries, transportation, subscriptions — and see whether they can make ends meet.
An animated credit score meter, interactive factor sliders, a card simulator with 6-month tracking, and a decision consequence engine that shows what each choice costs — for years.
Students weigh the trade-offs of leasing versus buying their first place — security deposits, monthly rent vs. mortgage, hidden fees, and the long-term math of each choice.
Students pick the card type that fits their history — secured, student, or unsecured — then map utilization, on-time payment, and rewards-vs-low-APR trade-offs to a projected first credit score.
Each scenario in this library addresses a core domain of Ohio's financial literacy graduation requirement — earning, saving, spending, credit, and major financial decisions. Teachers can use any scenario standalone or combine them across a unit.