This test covers core budgeting concepts including the 50/30/20 rule, fixed and variable expenses, zero-based budgeting, sinking funds, and practical budget math.
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This test covers how credit scores are calculated, the major credit bureaus, credit utilization, inquiries, and how long negative items stay on your credit report.
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This test covers credit card mechanics including grace periods, APR, minimum payments, cash advances, balance transfers, fraud protection, and interest math.
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This test covers loan fundamentals including secured versus unsecured debt, payoff strategies, debt-to-income ratio, cosigning, amortization, and interest calculations.
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This test covers home financing essentials including down payments, fixed and adjustable rates, PMI, escrow, closing costs, discount points, and loan-to-value math.
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This test covers everyday banking including FDIC insurance, account types, overdrafts, APY, credit unions, certificates of deposit, and money market products.
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This test covers building and using an emergency fund, including how much to save, where to keep it, what counts as an emergency, and savings goal math.
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This test covers how interest works including simple versus compound interest, the Rule of 72, compounding frequency, real returns, and verified growth calculations.
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This test covers foundational investing concepts including diversification, stocks versus bonds, index funds, dollar cost averaging, expense ratios, and tax-advantaged accounts.
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Plus 81 more, covering credit, mortgages, taxes, retirement, options, dividends, annuities, bankruptcy, tariffs, currencies, travel rewards, the history of money, and much more. Browse every test →
Every test you take updates your grade. You see exactly where you are strong, where you are exposed, and what to study next. Retake any test as often as you like; your best score counts.
It is a graded knowledge assessment, not a clinical IQ instrument. Ninety tests measure what you actually know about budgeting, credit, investing, taxes, insurance, retirement, and more, then grade you the way a transcript would.
All 90 tests with 900 questions, instant grading with full answer explanations, a personal dashboard that tracks every score into an overall grade, a daily financial brief, and the Friday newsletter. New tests are added at no extra cost.
Yes. The free sample test is ten real questions from the catalog, graded instantly, no email or card required. Every test also has a preview page where you can answer its first question free.
They range from foundations like building a first budget to advanced topics like options, Roth conversion math, and bankruptcy chapters. Most members find real gaps fast. That is the point.
Any time, in two clicks, from your account page through the Stripe billing portal. You keep access through the end of your paid year.
That is about eleven cents a day to actually understand your money.
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