Home › Civics & economics › Guides

Best homeschool personal finance curriculum

Personal finance is one of the most popular add-on credits for homeschool teens. A few programs on our list teach budgeting, credit and saving directly; others only touch it inside a government or economics course.

Updated September 2026 · 14 programs compared · rankings from our published scoring rules

Every child is different. Add your child's grade, the viewpoint you want and what you want to study for a personal ranking.

Try it with personal finance selected

What matters for personal finance

Look for a dedicated course. Ramsey's Foundations in Personal Finance is built around money skills, while most other programs only include a unit or two.

Decide how you want it taught. Ramsey is video-led and nearly independent, which suits a teen working alone.

Check the viewpoint. Ramsey is secular but Christian-friendly, and some Christian options include money from a biblical perspective.

Our top 3 for personal finance

  1. Ramsey Foundations in Personal Finance (Homeschool Edition)

    Dave Ramsey's half-credit high school personal finance course: videos, guided notes, a textbook and activities

    • A full personal finance course
    • Watch for: light on macroeconomics
    Grades 9th–12thVideo lessons with guided notes, an illustrated textbook, chapter tests and offline activitiesCost: $90: Homeschool Edition, print and digital (student add-on $30 each)

  2. Alpha Omega LIFEPAC Government and Economics

    Ten self-paced, Christian worktexts covering governments, free enterprise, the stock market and budgeting

    • Budget, finance and the stock market
    • Watch for: workbook style can feel dry
    Grades 12thSelf-paced workbooks with self-tests and unit tests, built on masteryCost: $108: Government and Economics box set (10 student worktexts plus teacher's guide)

  3. Guest Hollow Government, Economics and Personal Finance

    A one-year schedule for high school built on a free online government textbook, library books and curated videos

    • Personal finance woven in
    • Watch for: no independent reviews found
    Grades 9th–12thDaily schedule of reading, videos and a workbook; about an hour a dayCost: $57: downloadable schedule and workbook; library books and the free online textbook are extra

Questions parents ask

Is personal finance a required homeschool subject?

Requirements vary by state and many states exempt homeschoolers from public-school graduation rules, so check yours. Many families add it anyway as a practical elective.

How long is Ramsey's course?

It is a half-credit course with about 13 modules, each with short videos, notes, a chapter test and offline activities.

Does this count as economics?

Partly. Ramsey covers some economics, but reviewers say it is light on macroeconomics, so pair it with an economics course if you need that credit.

How this list is made: each program is scored against the needs above using features documented in parent reviews and publisher materials (sources are listed in each program's profile). It's a starting point, not medical, legal or educational advice.