Explore the possibilities for your classroom.

Reward students for positive behavior in a virtual classroom economy.
Our commitment to making financial literacy free →
By using this website you agree to our Terms of Use and Stash101 Privacy Policy. Stash Financial, Inc. is a digital financial services company offering financial products for U.S. based consumers.
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Reward students for positive behavior in a virtual classroom economy.
Our commitment to making financial literacy free →
By using this website you agree to our Terms of Use and Stash101 Privacy Policy. Stash Financial, Inc. is a digital financial services company offering financial products for U.S. based consumers.
Turn your classroom into an immersive online economy that teaches essential finance skills.
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Financial literacy skills learned on Stash101 support students as they enter the real world—and throughout their lives.
FINANCIAL LITERACY SIMULATIONS
Teach finance basics.
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Checking, savings, and credit accounts
Students learn firsthand to manage their financial accounts, practice budgeting, and experience the consequences of debt, all within the simulation.
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Investment portfolio
With real-time stock market data, students can experiment with investing, learn the benefits and risks of the stock market, and make informed decisions about where to put their virtual money.
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Taxes, bills, and loans
Students can experience tax brackets, withholding, and filing returns. They can take out a virtual loan to start a business or buy a car, see how interest works, and learn to pay the loan off. You can customize bills and set them to auto-deduct from students’ accounts.
STUDENT DEVELOPMENT
Support student growth.
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Jobs and 401k account simulations
Students write cover letters, apply to jobs, and are responsible for clocking in and out of work. You can simulate paychecks, automatically deposit them on a schedule, and enable employer 401k matching
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Virtual savings goals
Students set financial goals to learn about the importance of maintaining a budget and saving for the future.
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Student leaderboard
Students can anonymously track their progress against their classmates’ to understand how their financial wellness matches up to their peers.
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Marketplace
The money is virtual, but the winnings are real! List assets, events, and bonus points for students to purchase in the marketplace or win in a timed auction.
TEACHING TOOLS
Manage your class.
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Student financial reports
Download a snapshot of your students’ financial health, summarizing their simulated transaction history and account activity.
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QR code rewards
Hand out QR cash that directly deposits into students' bank accounts.
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Quiz creation
Browse our quiz library or create your own. Students can take a quiz, view their results, and earn virtual money for passing.
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Resources and support
Explore lesson plans and activities for your class. Reach out for support from our education team regarding Stash101 training and implementation at your school.
Teach
the
basics.
Teach
informed
investing.
Teach
business
smarts.
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    Teach healthy habits
    Third graders can learn how to build a budget based on their savings goals and expenses.
    Teach responsible spending in the virtual marketplace and watch the pride on your students’ faces when they get a job—and their first paycheck!
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    Teach informed investing.
    Seniors can experience the power of investing to build wealth with simulated stock market competitions
    Only seven states in the U.S. require a standalone personal finance course for high school students, but you can join Stash101 in preparing the next generation for financial success.
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    Teach business smarts.
    Position your Career and Technical Education (CTE) students for financial success.
    Educators have used Stash101 to teach cosmetology students how to manage their salon chairs, expenses, rent, bills, and appointments. Students experience building their businesses.
Stash Logo Stash Logo
Teach healthy habits
Third graders can learn how to build a budget based on their savings goals and expenses.
Teach responsible spending in the virtual marketplace and watch the pride on your students’ faces when they get a job—and their first paycheck!
Stash Logo Stash Logo
Teach informed investing.
Seniors can experience the power of investing to build wealth with simulated stock market competitions.
Only seven states in the U.S. require a standalone personal finance course for high school students, but you can join Stash101 in preparing the next generation for financial success.
Stash Logo Stash Logo
Teach business smarts.
Position your Career and Technical Education (CTE) students for financial success.
Educators have used Stash101 to teach cosmetology students how to manage their salon chairs, expenses, rent, bills, and appointments. Students experience building their businesses.

Frequently asked questions:

What is Stash101?
Stash101 is an immersive banking and investing simulation for students to learn financial literacy by navigating the complex world of personal finance—budgeting, paying bills, earning an income, saving, investing, and more. With Stash101, kindergarten through college students experience a safe space to explore real-world financial situations and practice informed decision-making around money.
What is a classroom economy?
A classroom economy is a system in which students practice money management, learn about job responsibilities, explore investing, and earn virtual or real rewards in meaningful ways. Stash101 is revolutionizing the classroom economy experience with realistic features that promote financial literacy in a fun system and prepare students for real-life challenges and expectations.
Is Stash101 free?
Stash101 is committed to being 100% free for educators and students. We believe education is the path to building lifelong financial wellness. While only seven states in the U.S. currently require a standalone financial literacy course, Stash101 aims to support the financial literacy of every student in America with a robust classroom economy customizable to any classroom.
How do I start using Stash101?
Create an account to start using Stash101. Once you register as a teacher, you’ll receive a sign-up PIN on the teacher dashboard for your students to create their accounts.

If you’re looking for guidance on setting up your Stash101 account, check out our educator training to get started.
How are other teachers using Stash101?
Get ideas for how to use Stash101 by checking out the resources hub, which features lesson plans, activities, and more. And be sure to follow us on social, where we’ll feature teachers using Stash101 in their classrooms.
Where can I find lesson plans for Stash101?
Stash101 comes with a free financial literacy curriculum. View and download our lesson plans, or use them as a guide for or complement to your own financial literacy curriculum.
Where can I find teaching support for Stash101?
For supporting teaching materials, visit our Resources hub and browse our articles, activities, and games, or use our free financial literacy curriculum with lesson plans to get you through the school year.

For training support, check out our Stash101 Getting Started series. If you’re interested in additional support, get in touch and tell us what you need!
I’m experiencing issues with my Stash101 account.
Contact us—we’re happy to help!
Also, please keep in mind that accounts are deactivated after a year of inactivity. If you haven’t logged in to your Stash101 (formerly PayGrade) account in more than a year, register again.