How much personal finance does Tennessee require?

One-half (0.5) credit personal finance. Tennessee'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 Tennessee students does the requirement apply to?

The Class of 2013 is the first graduating class that has to meet it, so earlier classes are not held to the requirement. Timeline: Class of 2013 and later. If you are planning a course now, that timeline is the window to have curriculum in place before Tennessee starts holding students to it.

What personal finance standards does Tennessee use?

Tennessee Personal Finance academic standards (TDOE). 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 Tennessee standards?

Yes. Rapunzl's modules and real-time investing simulator cover the CEE six pillars, and those pillars crosswalk to the Tennessee 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 Tennessee standards crosswalk along with classroom access.

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Tennessee Personal Finance Standards & Graduation Requirements

Tennessee has required a half credit of personal finance to graduate since the class of 2013.

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Tennessee at a glance

Requirement: Standalone course required
Legislation or authority: Personal finance graduation requirement (Public Chapter, ~2011); SBE High School Policy 2.103
Passed: ~2011
Takes effect: Class of 2013 and later
First graduating class affected: Class of 2013
Course length: One-half (0.5) credit personal finance
State standards: Tennessee Personal Finance academic standards (TDOE)

Read the official Tennessee standards

What Tennessee requires

Tennessee has required a half credit of personal finance for graduation since the class of 2013, making it one of the earliest adopters.

TDOE maintains the personal finance academic standards, and SBE High School Policy 2.103 governs how the credit works — including when it may be combined with other content.

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

How Rapunzl maps to Tennessee standards

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

Tennessee strand	CEE pillar	Rapunzl modules
Earning income & careers	Earning Income	Taxes & Income Careers In Finance
Money management & budgeting	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	Managing Credit	The Power & Risks Of Credit How To Make Loans Work For You
Risk management & insurance	Managing Risk	Diversification & Risk Insurance & Retirement
Financial decision-making & consumer protection	Financial Decision-Making	Financial Statistics Top Investor Strategies

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

Why Tennessee 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 Tennessee'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.

Tennessee personal finance requirement FAQ

Tennessee has required a half credit of personal finance to graduate since the class of 2013.

The requirement is set by Personal finance graduation requirement (Public Chapter, ~2011); SBE High School Policy 2.103.

Takes effect: Class of 2013 and later.

Bring Rapunzl to your Tennessee classroom

Explore the curriculum and real-time simulator free for 30 days. Tell us about your school and we'll send your all-access demo along with the Tennessee standards crosswalk.

Request Demo