Financial Literacy

This free digital course sponsored by the MassMutual Foundation empowers students to effectively manage their finances, make sound decisions, and become financially responsible. Through a story-based narrative and interactive exercises, students learn to make real-life decisions about their personal finances, as well as how to achieve important goals around saving money, education and career planning, and budgeting. A recent study found that students who took FutureSmart increased in their financial knowledge, their financial confidence, and their self-reported financial behaviors compared to a control group of their peers.


Free Digital Lessons for​
Students in Grades 6-8

FutureSmart mockup
Evidence-Based Curriculum


Grade Level:

English & Spanish

7 digital lessons, 25 mins each

Curriculum Fit:
Economics, Business or Social Studies, and Career Readiness

Jump$tart Coalition’s National Standards for K-12 Personal Finance Education, National Curriculum Standards for Social Studies, State Academic Standards

FutureSmart has been independently validated to meet ESSA Level III evidence, which demonstrates that usage of the digital course shows a positive, statistically significant relationship with students' financial knowledge, self-efficacy, and behaviors.


Preview the Digital Lessons

Lesson 1
Welcome Mayor!

Students are introduced to the course storyline and reflect on their own personal financial priorities, habits and mindsets though a “Financial Personality Test”.

FutureSmart screenshot 1

Lesson 2
Smart Shopping

Lesson 3
Ways to Pay

Lesson 4
Investing in You

Lesson 5
Growing a Business

Lesson 6
Your Financial Future

Lesson 7
Build Your Blueprint


Why Teachers & Students Love This Course

“This course gave me a completely new perspective on financial decision making … I decided to start a monthly income/expenses notebook so that I could regulate the amount of money that I spent each month.”

Middle School Student


“This course helps students to learn concepts that have never been introduced in a short span and with meaningful, real-world application.”

Middle School Teacher

New Jersey

“A lot of my students do not understand why we are learning about financial literacy. Once we start the unit and start EVERFI, they start to see more of the real-life applications. FutureSmart allows my 7th graders to see the material that we are talking about in a setting that is relatable. They really thrive from the real-life applications the course provides.”

Middle School FACS Teacher


“I have had a dream and am passionate about designing rooms and would really like to continue down that path by becoming an interior designer. In a couple years, I will be heading to high school and I will have to put a lot of thought into choosing the right classes to not only get into college but to also be able to choose the college that will help me pursue my dream.”

Middle School Student



Try Pairing This Course With



Economic Concepts

Financial literacy icon

Library of Financial

Education Courses