Every claim is checkable
When we say bank fees cost $824 a year or that waiting five years to invest costs $134,000, the line of arithmetic is printed right there. Disagree with an assumption and you can redo it.
A free course from Numeraldo · 501(c)(3) nonprofit
The Financial Literacy Crash Course.
Two self-paced tracks, one for teenagers and one for seniors, covering the money decisions that each group actually faces. Sixteen modules, plain language, real arithmetic you can run yourself, and not a single thing for sale.
16 modules
3 calculators
16 quiz questions
No sign-up · no tracking
Printable
Pick a track
Same principles. Very different decisions.
A sixteen-year-old and a seventy-six-year-old both need to understand interest, but one of them is deciding whether to open a first credit card, and the other is deciding whether the caller claiming to be from the bank is real. We wrote two courses instead of splitting the difference.
Track one · Ages 13–19
Financial literacy for teens
For a first paycheck, a first bank account, and the decisions about college and credit that arrive faster than anyone warns you.
- Where the money actually goes: gross vs. net pay
- Banking without paying for it
- A budget you'll actually keep
- Compound interest: the whole reason to start now
- Credit cards and credit scores
- Paying for what comes next
- Investing, minus the hype
- Getting scammed is a math problem
Financial literacy for seniors
For a fixed income, a mailbox full of documents that look urgent, and a phone that rings with people who have practiced their script.
- The fixed-income month
- What the mail actually says
- What your bank is charging you
- Safe interest, and inflation
- Taking money out
- Recognizing a scam
- Locking down your accounts
- Who to call
How it's built
Numeracy first.
Numeraldo is a numeracy organization, so this course refuses to hand you a rule without showing the arithmetic underneath it. Every module has a worked example you can check.
Calculators you can run
Compound growth, the true cost of a credit card minimum payment, a monthly fixed-income worksheet, and a red-flag checker for a call that feels wrong. They run in your browser, and nothing is uploaded, stored, or sent.
Large type, printable, free
The seniors track ships in larger type with a size control. Both tracks print cleanly for classroom or community-center handouts. No account, no email, no paywall.
For teachers and facilitators
Use it, copy it, teach from it.
These pages were written to be taught from as much as read alone.
- Each module stands on its own: a 15-minute session can be a single module, and the syllabus links jump straight to it.
- The Print button in the header produces a clean handout: navigation and calculators drop out, and quiz answers print alongside the questions for an answer key.
- The quizzes and checklists need no grading: answers appear on click, and checklists remember themselves on the reader's own device.
- Numeraldo delivers both tracks as free in-person workshops. Schools, libraries, senior centers, and community organizations are all welcome to ask.
To bring a workshop to your organization, write to
info@numeraldo.org or call
(609) 490-8008. There is no cost to the host or the participants.
About this course. Numeraldo is a numeracy education nonprofit. This material is
educational and general. It is not personalized financial, tax, legal, or insurance advice, and
it describes United States rules and institutions. Tax rules, benefit ages, contribution limits,
and program details change; confirm anything specific to your situation with the relevant
agency or a professional you chose and contacted yourself. Dollar figures in worked examples are
illustrations chosen to make the arithmetic clear.