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An older teen at a finance desk making a money decision with coin jars and a growth curve

Ages 15–18 · Grades 9–12 · Personal Finance

LedgerQuest

Real money decisions have real trade-offs. Here you can make them in a risk-free sim, see how each one plays out, and check what you know — no jargon, no lectures, nothing sent anywhere.

Open the Decision Lab Time Multiplies

Your first year Twelve months out of school — paycheck, rent, a card, a scam text — with the honest math underneath. It ends with two lines: what you have, and how you are doing.

This month’s decision

Set a money goal, then work through real situations — a cracked phone, a first paycheck, a 25%-interest card, renters insurance, what comes after high school. Every choice moves your cash, savings, and debt, and you see exactly how it plays out. Then reflect on how your choices served your goal.

Open the Decision Lab →

All activities

Time Multiplies Watch small savings grow over time. Pay It Down Beat the minimum-payment trap — slide your payment, watch the interest. Credit Score Lab Predict what moves a credit score — then see the five factors that decide it. Budget Split money into needs, wants, and save. Borrow or Wait? Weigh borrowing now against paying more later.
Who you’ll meet — the money habits 10

Not mascots — everyday people, each one showing a single money idea in action. You’ll run into them in the Decision Lab.

  • Calla — weighs needs vs wants when money is tight
  • Yusuf — reads a paycheck — gross, net, and where the rest went
  • Rosa — pays herself first and builds an emergency fund
  • Priya — shows how interest quietly compounds over time
  • Cyrus — knows the real cost of borrowing — and how credit works
  • Nadia — manages risk: when insurance and spreading out make sense
  • Devon — sees the opportunity cost hiding in every purchase
  • Odette — watches inflation change what money can buy
  • Marcus — keeps a budget that flexes with real life
  • Hollis — the mentor — asks the questions that make a plan yours

Check what you know

Sixteen short kits — from money basics to a capstone life budget — anchored to national personal-finance standards. Hints when you want them.

1. Money Basics Money basics: needs vs wants, income, spending choices · 25 questions 2. Needs vs Wants & Value Prioritizing needs vs wants and getting value per dollar · 25 questions 3. Budgeting Building and balancing a budget · 25 questions 4. Income, Gross vs Net & Taxes Earning income: gross vs net pay, withholding, taxes, pay types · 25 questions 5. Saving & Goals Saving: pay-yourself-first, goals, emergency fund, SMART targets · 25 questions 6. Banking & Interest Saving: bank accounts, simple interest, APY, fees, account safety · 25 questions 7. Compound Growth Saving: compound interest, interest-on-interest, Rule of 72, time value of money · 25 questions 8. Debt & the Cost of Borrowing Managing credit: principal, interest, how a balance grows, cost of borrowing · 25 questions 9. Credit & Credit Scores Managing credit: what credit is, credit reports, what moves a score · 25 questions 10. Managing Risk & Insurance Managing risk: pooling risk, when insurance makes sense, premiums, deductibles · 25 questions 11. Diversification Basics Managing risk: not-all-eggs-in-one-basket, spreading risk (concept, non-gambling) · 25 questions 12. Inflation & Purchasing Power Spending/investing: inflation, purchasing power, why prices rise over time · 25 questions 13. Consumer Decisions Spending/decision-making: comparison shopping, unit price, marketing + scam literacy · 25 questions 14. Big Purchases Decision-making: cars, phones, rent — trade-offs, total cost, financing choices · 25 questions 15. Paying for the Future Decision-making/earning: college, training, apprenticeships — cost, aid, ROI (anti-evangelism) · 25 questions 16. Capstone: Your Life Budget Decision-making: integrating income, spending, saving, credit, risk into a life plan · 25 questions
How it works

LedgerQuest is written to trust you — no shame about money, and no single “right” life path (some choices simply fit different goals). Your progress is saved only on this device: no accounts, nothing sent anywhere.

Mixed practice — revisit what you've learned A short round that shuffles questions across the kits you've played, brought back when they're ready to review (spaced out so it sticks).

More ways to play

Stock the slot What a sale leaves Quiz Arena Ledger Run Why Prices Rose Stacked discounts

What next? Pick a door

Chosen from what this app is about. What you open is remembered on this device only.