Fall 2023

National budgeting and investing contest for schools!

Budget Game

Budget Game

Stock Game

Stock Game



How does the Challenge Work?

The National Challenge is open to schools with an active site license this Fall.

No registration for teachers is required. Students who are using PersonalFinanceLab in their classes will be prompted with a pop-up when they sign in asking if they want to join the challenge. If they choose to participate, the National Challenge becomes an option when they are playing the stock game or budget game (in addition to their regular class). Students can switch between the National Challenge and their class at any time.

Participating students can earn badges and certificates through their activities in the National Challenge, which will carry back over to their class as well!

Financial Literacy

Registration is now open!

Challenge Dates

October 1 – November 17, 2023

4 Interactive & Fun Features

  • Personal Budget Game
  • Stock Game
  • Built-in Lessons & Pop Quizzes
  • Student & Teacher Prizes

Student Prizes


students from each contest
win a $50 Amazon Gift Card

The Top 10 students from each contest, (from the Budget Game and Stock Game) win a $50 Amazon gift card for their classroom. Teachers of the top-performing finalists will be notified the week after the challenge ends.

Teacher Prizes


teachers will receive a
$50 Staples Gift Card

The 10 teachers that have the most students completing at least 6 months of the budget game will each receive a $50 Staples e-gift Card.

Testimonials from Past Participating Teachers

Both of my classes had so much fun with the Budget Game and had no idea of all the learning that occurred! Thank you for making this available. It is so hard to find quality, free resources.

Tracie Meyers
Livonia Central School District
(New York, United States)

This is an absolutely fantastic program that I wish ALL students had the opportunity to participate in. Your game has provided so many opportunities to relate the real world to my students in a way that is fun, and interactive but also gives them real world skills that will help them throughout their lives.

We now talk about IPO’s and company announcements and budgets and a whole assortment of other real life topics that in the past would have required an entire lesson to help them understand the basics just to have a conversation. Bravo! Not only did you help my students but you made my job easier and more fun as well.

Michael Eklund
Kenilworth Junior High School
(Alberta, Canada)

Thank you for making this amazing learning experience available to my students, and of course my congratulations to the other top 5 finishing students; as well as the entire 14,500+ student participants from across Canada, the USA, and elsewhere (?) who participated so enthusiastically, and did such a great job of representing their class/school.

Terrence Posylek
St. Thomas Aquinas Catholic Secondary School
(Ontario, Canada)

What’s Included?

Personal Budgeting Game

Students practice managing a monthly budget, and building their emergency savings fund. So they can see how their decisions have consequences. Gaining experience on what it feels like to take full responsibility for their financial well-being.

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Virtual Stock Game

Students practice investing in real securities with US stocks, bonds and mutual funds. They learn from their own mistakes while using virtual money. So they can know how to grow their wealth responsibly, and make smart financial decisions when they’re ready to invest for real.

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Personal Finance Lessons

300+ self-graded pop quizzes at the end of each lesson that integrate to teacher reports.

Learn more

What are the Rules?

  • Trading is open from October 1 to November 17, 2023
  • Students may trade US stocks and ETFs, and US mutual funds, and bonds
  • Students manage a $100,000 virtual portfolio
  • Weekly deposits of $1000 will be distributed for students to begin trading on Monday mornings
  • There is a $5 minimum price for all stocks
  • Students may short sell and buy on margin
  • Students may day trade
  • Students may only invest 25% of their portfolio in any one security
  • Each student is allowed only one entry
  • Students can play the Budget Game from October 1 to November 17, 2023
  • The game includes 12 months of gameplay where students manage their bills and expenses
  • They start as students with part-time jobs, and after 6 months graduate and take on full-time jobs
  • Students earn the most amount of points for meeting their monthly savings goals

Financial Literacy Completion Certificate

Students don’t need to complete all the lessons to be eligible for prizes. However, why not take advantage of having free access to our curriculum?

We’ve included 86 lessons from our learning library on investing and personal finance. Each lesson includes a pop quiz at the end with 3-5 questions. Students are required to get 100% on all quizzes to earn the completion certificate, and are able to retake quizzes to improve their score. You can see their progress every step of the way from your Instructor Administrator page.

Example Assignments Include:

  • What is the New York Stock Exchange?
  • Investing Strategies
  • Pay Down Debt or Save?
  • Life Insurance
  • Use the Saving to be a Millionaire Calculator

Become a Sponsor

You could be the one thing that changes how the next generation manages their money. Your generous sponsorship can keep this challenge free for all schools!

By partnering with PersonalFinanceLab, you help bring the resources that schools nationwide desperately need.

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