FDIC Money Smart

Free#3 of 25 in Financial Literacy Apps

FDIC Money Smart: A free, broad financial education program for families, educators, and organizations. Ranked #3 of 25 in Financial Literacy Apps by our editors (9.1/10); pricing: Free plan; best for free family and classroom education.

9.1/10Editor score

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FDIC Money Smart9.1 Try FDIC Money Smart

At a glance

Editor score
9.1 / 10
Pricing
Free plan
Best for
Free family and classroom education
Free plan
Yes
Paid from
Free
Investing lessons
Yes
Facts checked
21 Sep 2026

Where it wins
- Covers earning, spending, saving, investing, credit, and protection
- Includes 14 interactive games with realistic scenarios and practice
- Offers English and Spanish content with learner progress visibility
Where it doesn't
- The software-like games are available through the web only
- The program combines online games with downloadable educational resources
- Its broad curriculum may be more than learners seeking one narrow topic

Our verdict on FDIC Money Smart

FDIC Money Smart is a free financial education program for children, young people, adults, educators, banks, nonprofits, and community organizations. Its software-like component is the How Money Smart Are You? suite of 14 self-paced interactive games, supported by instructor-led curricula, parent and caregiver guides, activities, and training resources. Lessons cover earning, spending, saving, investing, borrowing, credit, housing, debt, identity protection, and financial preparedness, making it suitable for both independent learning and structured education.

The program’s breadth is its clearest strength. Realistic scenarios and practice activities give learners more than topic explanations, while certificates of completion and virtual coins add visible progress markers. Instructor materials address adults, young adults, and young people, and parent and caregiver guides cover multiple school-age groups. Individual and organization accounts provide learner progress visibility, which fits classrooms, family learning, and community programs. English and Spanish availability also supports a wider range of learners without changing the core educational structure.

Money Smart is a strong choice for families, educators, and organizations that want a broad financial literacy program without a subscription cost. It works particularly well when learners need coverage across budgeting-related topics, credit, investing, borrowing, and financial protection rather than a single focused lesson. The main limitation is its delivery model: the online games are web-based, while other parts of the program are downloadable curricula and guides rather than one unified commercial app. Choose it when free educational breadth, structured resources, and progress visibility matter most; look elsewhere if the priority is a dedicated mobile app or a narrowly focused financial tool.

Questions about FDIC Money Smart

Does FDIC Money Smart have a free plan? Yes, there is a free plan.

What does FDIC Money Smart run on? Web. It runs in the cloud.

Who is FDIC Money Smart built for? Solo users, small businesses, mid-market companies and enterprises (our editorial estimate).

Your product? Our editors can test FDIC Money Smart in depth and publish a review, labelled as paid · from $149/mo →

FDIC Money Smart pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on fdic.gov

All 1 FDIC Money Smart plans and prices →

FDIC Money Smart fact sheet

Free plan	Yes
Paid from	Free
Budgeting lessons	Yes
Credit lessons	Yes
Investing lessons	Yes
Financial simulations	Yes
Guided practice	Yes
Personalized learning	Not verified
Deployment	Cloud
Platforms	Web
Support	Email, Docs
Built for	Solo, Small business, Mid-market, Enterprise (editorial estimate)
Pricing	Free plan (source)
Website	fdic.gov
Facts checked	21 Sep 2026

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FDIC Money Smart vs the competition

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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used FDIC Money Smart for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

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Featured on iTechGuides

FDIC Money Smart is listed in our Financial Literacy Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update