A course about money decisions

Is there a homeschool personal finance curriculum for high school?

Free for 30 days. No card.

Every course in every grade, for every child in the family. Lessons pause when the free days end unless you choose to subscribe.

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Yes. Personal Finance: Decisions with Money is a course of five units and 34+ hours, about money decisions rather than money facts. Your child builds one household budget in week one and keeps adding to it all semester.

The five units

Income: What You Actually Have to Work With. Budgeting: Assigning Every Dollar a Job. Growth: How Money Changes Over Time. Credit and Risk: Borrowing and Insuring. The Household Plan: Integrating the Parts.

One household all semester

The household can be imaginary or real, your call. A paycheck becomes a budget, then savings that grow, then a credit card and some insurance, then a full plan where it all has to work together.

Reasoning, not guessing

By the end a student can look at a job offer, a savings goal, a credit card statement or an insurance decision and reason through it.

Your part

The app grades the calculations automatically. Your job is mostly reading what your child writes and asking but why.

What this is not

It is one course among many. You decide which to take, which to hold back and how many to do in a day.
It is not financial advice and does not recommend any product or investment.
It cannot promise any college will accept a homeschool transcript. It prints one of what was taught and mastered, and your family issues it.

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What grade(s)? (so their first lesson is ready)

Before your child starts: what we collect and why

We collect only what it takes to teach your child: the first name and sign-in you choose, their answers and progress, and their chat with Clara (written by Anthropic's AI, read aloud by OpenAI). Nobody trains AI on it or sells it, and you can see or delete it any time. You create your child's account yourself. Ticking the box below is how you, as the parent, give consent.

Read what we collect and why

Your consent is needed before we collect anything from your child, and we collect nothing without it. You create your child's account yourself; they never sign up alone.

What we collect from your child: the first name and sign-in you choose, their answers, time on lessons and progress, and their chat with Clara. Used to run the lessons, build their transcript and show you how they are doing.
Who else handles it: Anthropic writes Clara's replies from the chat, the lesson and your child's first name. OpenAI turns lesson text and Clara's replies into the read-aloud voice. Spoken answers are turned into text on our own server and never sent anywhere. Our email provider sends you reports. Nobody sells your child's data or uses it for anything else.
Your rights: see everything collected from your child, have it deleted, or stop further collection at any time, from your account or by emailing our support address. If you refuse the sharing above, Clara cannot teach, so the service cannot run. Chats are deleted after 30 days.
Safety: if your child writes something suggesting they may be hurt or in danger, we email you and the owner of Letters & Devotion the same day.

Ticking the box below is how you, as the parent, give that consent. Full details, including how long we keep each thing: Privacy Policy (version 2026-10-09).

I am this child's parent or guardian, and I agree to the above.

Free for 30 days. No card. When the free days end, lessons pause unless you choose to subscribe, $29 a month for every child in the family. Nothing is ever charged without a card.

By continuing you agree to the Terms and Privacy Policy.

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Questions parents ask

What grade is it for?

It is listed at grade 9, and you can set the grade for each course to whatever fits your child.

Does it count toward a high school transcript?

Hours log themselves and a transcript of what was taught and mastered prints in one click. There is also a free transcript maker at /homeschool-transcript that needs no account.

What does it cost?

$29 a month or $290 a year for every child. The first 30 days are free with no card.

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