How much personal finance does Georgia require?

One-half (0.5) credit personal financial literacy course. Georgia's requirement is a standalone course requirement. In practice that means a dedicated class of its own, taken for credit, rather than a few personal finance lessons folded into another subject.

Which Georgia students does the requirement apply to?

The Class of 2028 is the first graduating class that has to meet it, so earlier classes are not held to the requirement. Timeline: Class of 2028 (first cohort). If you are planning a course now, that timeline is the window to have curriculum in place before Georgia starts holding students to it.

What personal finance standards does Georgia use?

Georgia Standards of Excellence — Personal Financial Literacy (Social Studies). Rapunzl's curriculum is built on the Council for Economic Education's six pillars: Earning Income, Spending, Saving, Investing, Managing Credit, and Managing Risk. Those pillars map to every strand in the framework, which is why the same course can satisfy standards that are worded differently from one state to the next.

Does Rapunzl's curriculum align to Georgia standards?

Yes. Rapunzl's modules and real-time investing simulator cover the CEE six pillars, and those pillars crosswalk to the Georgia strands listed on this page. Students learn by making real decisions with a simulated $10,000 portfolio priced on live market data, and teachers get an educator dashboard with grade export, materials in English and Spanish, and screen-reader accessibility. Request a demo and we'll send the Georgia standards crosswalk along with classroom access.

Georgia Personal Finance Standards & Graduation Requirements

Georgia at a glance

Requirement: Standalone course required
Takes effect: Class of 2028 (first cohort)
First graduating class affected: Class of 2028
Course length: One-half (0.5) credit personal financial literacy course
State standards: Georgia Standards of Excellence — Personal Financial Literacy (Social Studies)

Read the official Georgia standards

What Georgia requires

Georgia requires a half credit of personal financial literacy for graduation beginning with the class of 2028.

The course may double-count toward a math, social studies, or elective credit, which gives districts scheduling flexibility. The State Board adopted the content as the Georgia Standards of Excellence for Personal Financial Literacy.

Last reviewed against official sources on 2026-07-15.

How Rapunzl maps to Georgia standards

Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Georgia framework.

Georgia strand	CEE pillar	Rapunzl modules
Fundamentals of economics & financial decision-making	Economics	The Economy & Federal Reserve Reading Company Financials
Earning income, taxes & careers	Earning Income	Taxes & Income Careers In Finance
Budgeting, spending & money management	Spending	The Basics Of Banking Buying Your First Home Paying For College
Saving & investing	Investing	Welcome To The Stock Market What Makes A Good Stock?ETFs & Mutual Funds
Credit & debt management	Managing Credit	The Power & Risks Of Credit How To Make Loans Work For You
Risk management & insurance	Managing Risk	Diversification & Risk Insurance & Retirement

Educators can request a full Georgia standards crosswalk through the Educator Dashboard.

Standards alignment details: how Rapunzl covers Georgia's personal finance standards

A standard-by-standard look at the Georgia framework. 67 standards are covered across 15 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.

Elementary Economic Understandings

Georgia standard	Aligned Rapunzl modules
SS2E4Describe the costs and benefits of personal saving and spending choices.	Saving Versus Investing Buying Your First Home Budgeting & Spending
SS3E4Explain the concept of opportunity cost as it relates to making a saving or spending choice.	Saving Versus Investing Budgeting & Spending
SS4E2Identify the elements of a personal budget (income, expenditures, and saving) and explain why personal spending and saving decisions are important.	Budgeting & Spending
SS5E4Identify the elements of a personal budget (income, expenditures, and saving) and explain why personal spending and saving decisions are important.	Budgeting & Spending
a. Understand that income is received from work and is limited.	Taxes & Income
b. Understand that a budget is a tool to plan the spending and saving of income.	Saving Versus Investing
c. Understand the reasons and benefits of saving.	Saving Versus Investing
d. Understand the uses and costs of credit.	The Power & Risks Of Credit How To Make Loans Work For You
a. Explain that income is the starting point for personal financial management.	Taxes & Income
b. Describe the reasons for and the benefits of a household budget.	Saving Versus Investing Taxes & Income
c. Describe the reasons for and the benefits of savings.	Saving Versus Investing
d. Describe the uses of debt and associated risks.	The Power & Risks Of Credit How To Make Loans Work For You

High School Personal Finance Standards (Grades 9-12)

Georgia standard	Aligned Rapunzl modules
a. Analyze income as a scarce resource that must be allocated.	Saving Versus Investing Taxes & Income
b. Compare different types of income.	Taxes & Income
c. Analyze how career choice, education, skills, and economic conditions are related to income and levels of unemployment.	Taxes & Income Paying For College
d. Describe how income taxes affect disposable income.	Taxes & Income
e. Review and complete a sample individual income tax form.	Taxes & Income
f. Describe the basic components of a pay-stub including gross pay, net pay, and common deductions.	Taxes & Income
a. Explain the importance of setting short-term, medium-term, and long-term savings goals.	Saving Versus Investing Budgeting & Spending
b. Differentiate between needs and wants.	Saving Versus Investing Budgeting & Spending
c. Analyze the basic components of a personal budget including income, expenses, and savings.	Saving Versus Investing Taxes & Income Budgeting & Spending
d. Explain how to reconcile a checking account, either online or on paper, including how to account for transactions that have not been posted (i.e. checks or weekend debit card transactions).	Saving Versus Investing The Basics Of Banking Budgeting & Spending
e. Describe overdraft fees including why they are assessed and how to avoid them.	The Basics Of Banking
f. Explain the concept of net worth.	Saving Versus Investing Taxes & Income
a. Describe advantages and disadvantages of paying for goods and services with cash, debit, credit cards, etc.	The Power & Risks Of Credit
b. Compare and contrast debit, credit, and prepaid cards in terms of how they work, acceptability, and the costs associated with each.	The Power & Risks Of Credit
c. Explain how to avoid fees when using debit, credit, and pre-paid cards.	The Power & Risks Of Credit
d. Explain the major consumer protections related to debit, credit, and pre-paid cards, if they are lost or stolen.	The Power & Risks Of Credit The Basics Of Banking
a. Use a rational decision-making model to identify the most appropriate alternative from the options in SSPFL3.	The Power & Risks Of Credit Budgeting & Spending
b. Describe opportunity cost as it relates to the options in SSPFL3.	Saving Versus Investing The Power & Risks Of Credit Budgeting & Spending
c. Evaluate costs and benefits of various ways to pay for post-high school life including scholarships, employment, work-study programs, loans, grants, savings, prior investments, and other options.	Taxes & Income Paying For College
d. Review and complete a sample Free Application for Federal Student Aid (FAFSA) form.	Taxes & Income
a. Define credit and interest rates.	Saving Versus Investing The Power & Risks Of Credit Buying Your First Home Insurance & Retirement Taxes & Income
b. Describe factors that affect credit worthiness and the ability to receive favorable interest rates including character (credit score), collateral, and capacity to pay.	The Power & Risks Of Credit Buying Your First Home Saving Versus Investing Insurance & Retirement
c. Describe the basic components of a credit score including payment history.	The Power & Risks Of Credit
d. Describe different ways financial institutions, employers, etc use credit reports and credit scores.	The Power & Risks Of Credit Insurance & Retirement Buying Your First Home Saving Versus Investing
e. Describe how to access one’s credit report and credit score.	The Power & Risks Of Credit
f. Analyze and evaluate a sample credit report.	The Power & Risks Of Credit
g. Explain how to begin building a good credit history early	The Power & Risks Of Credit
h. Explain causes of personal bankruptcy and describe consequences of declaring bankruptcy.	The Power & Risks Of Credit
a. Analyze services offered by different financial institutions including banks, credit unions, payday lenders, and title pawn lenders.	Saving Versus Investing The Power & Risks Of Credit How To Make Loans Work For You ETFs & Mutual Funds The Basics Of Banking
b. Explain that some financial institutions are for profit and others are non-profit.	The Power & Risks Of Credit The Basics Of Banking
a. Explain how actions taken by the Federal Reserve System affect interest rates.	The Federal Reserve Saving Versus Investing Taxes & Income
b. Compare interest rates on loans and credit cards from different institutions including banks, credit unions, pay-day loan facilities, and title-pawn.	The Power & Risks Of Credit The Basics Of Banking
c. Define annual percentage rate and analyze how different interest rates can affect monthly payments on loans	Saving Versus Investing The Power & Risks Of Credit How To Make Loans Work For You Buying Your First Home Insurance & Retirement
d. Explain the difference between simple and compound interest and the difference between fixed and variable interest.	Saving Versus Investing How To Make Loans Work For You Buying Your First Home
e. Define nominal and real returns and explain how inflation affects savings and investment accounts earning interest.	Saving Versus Investing How To Make Loans Work For You Taxes & Income
a. Evaluate the risk and return of a variety of savings and investment options including savings accounts, certificates of deposit, stocks, bonds, and mutual funds.	Welcome To The Stock Market How To Make Loans Work For You Diversification & Risk ETFs & Mutual Funds The Basics Of Banking
b. Explain the advantages of using tax-advantaged retirement planning including a tradition Individual Retirement Account (IRA), a Roth IRA, a myRA, and a company 401K or 403b.	Insurance & Retirement
c. Describe the importance of diversification investing.	Welcome To The Stock Market Diversification & Risk
d. Describe the differences in strategies used for long-term investing vs. short term investing.	Welcome To The Stock Market What Makes A Good Stock?Top Investor Strategies Diversification & Risk ETFs & Mutual Funds
a. Define insurance as an agreement where one party agrees to pay for another’s damage or loss in exchange for payment.	Insurance & Retirement
b. Define risk as it relates to various assets.	Diversification & Risk Insurance & Retirement
c. Describe various types of insurance including automobile, health, life (whole and term), disability, and property.	Insurance & Retirement Buying Your First Home Saving Versus Investing
d. Review and describe the basic components of a sample automobile, health, and property insurance policy.	Insurance & Retirement Buying Your First Home Saving Versus Investing
e. Analyze different methods for obtaining health insurance.	Insurance & Retirement
f. Analyze the costs and benefits associated with different types of insurance, including copays, deductibles, premiums, shared liability, and asset protection.	Insurance & Retirement
g. Define insurability and explain why insurance rates can vary.	Insurance & Retirement
a. Define progressive, regressive, and proportional taxes.	Taxes & Income
b. Analyze the purpose of different types of taxes including income, property, sales, excise, and capital gains.	Taxes & Income
c. Explain how an increase in sales tax affects different income groups.	Taxes & Income
d. Describe government programs designed to provide assistance to low income individuals such as the Supplemental Nutrition Assistance Program (SNAP) (including the special program for Women, Infants, and Children (WIC)), Medicaid, etc.	Insurance & Retirement Taxes & Income Budgeting & Spending
e. Explain how unemployment insurance is provided by federal and state governments.	Insurance & Retirement Taxes & Income
a. Describe common ways identity theft happens.	The Power & Risks Of Credit The Basics Of Banking
b. Analyze ways to protect yourself from identity theft.	The Power & Risks Of Credit The Basics Of Banking
c. Describe steps that should be taken if a person is the victim of identity theft including getting replacement credit cards, freezing credit histories, alerting appropriate officials, and changing passwords.	The Power & Risks Of Credit The Basics Of Banking
d. Describe the basic characteristics of investment scams and how to avoid them.	The Power & Risks Of Credit The Basics Of Banking

Standards alignment for Georgia is provided for planning and is updated annually. Educators can request a formatted Georgia standards crosswalk through the Educator Dashboard.

Why Georgia schools choose Rapunzl

Rapunzl pairs a standards-aligned curriculum with a real-time investment simulator, so students learn personal finance by making real decisions with simulated $10,000 portfolios priced on live market data — not by reading about it. The curriculum scales from a three-week unit to a 28-week year-long course, which means it fits whichever shape Georgia's requirement takes in your district.

100,000+students have completed Rapunzl's curriculum
93%average financial literacy scores on national test over past 5 years, 24% above average
31interactive modules that can be customized into a course progression for your classroom
20+hours of gameplay in 2 interactive mini-games alongside our investment simulator and financial calculators

Teachers get an educator dashboard with grade export and standards crosswalks, English and Spanish materials, screen-reader accessibility, and a free national scholarship competition their students can enter each January.