For educators
A fourteen-year financial literacy curriculum that fits inside your school, your standards, and your reporting system.
PhoxFin was designed from the beginning to work in two directions: as a family-driven home curriculum and as a structured classroom and school-adoption tool. The Educators version gives you everything a home subscription includes — plus standards mapping, school mode, a teacher roster, daily digests, IEP-adjacent adaptive traits, and four certificate tiers that produce credentials your students can use.
Standards alignment
CEE · Jump$tart · CFPB. All three. Documented.
PhoxFin is designed as a supplementary financial literacy curriculum that integrates into existing learning environments without increasing educator workload. Its spiral architecture is built around the Council for Economic Education (CEE) National Standards for Personal Financial Education, the Jump$tart Coalition National Standards in K–12 Personal Finance Education, and a developmental learning model informed by the CFPB Youth Financial Education framework.
Framework documentation is available for CEE, Jump$tart, CFPB developmental competencies, supplementary CASEL competencies, and digital citizenship readiness — formatted for curriculum review committees, school board presentations, and state financial literacy compliance documentation. Per-grade standards crosswalks and per-lesson standards metadata are on the current roadmap.
PhoxFin is standards-aligned, not accredited. If your district or school requires accreditation from a specific body, we will tell you plainly whether PhoxFin meets that requirement — and we will never overstate our credentials to close an adoption.
School mode
One deployment. Every classroom. Full administrator control.
School Mode is a configuration layer that sits on top of the standard PhoxFin platform. When activated, it enables a single school or district administrator to deploy PhoxFin across multiple classrooms, manage teacher access, set grade-level assignments for entire cohorts, control which optional modules are active, and generate school-wide progress and completion reports.
In School Mode, each teacher gets their own instructor dashboard. The administrator sees an aggregated view across all classrooms. Individual student data stays protected — teachers see their own roster, not the full school population.
School Mode is available on the School and District tiers. Pricing for both is structured per-student and billed annually, with volume discounts applied automatically at enrollment thresholds of 50, 150, and 500 students.
Teacher roster & class management
Set it once. Let it run.
When a teacher creates a class inside PhoxFin, they assign a grade level and a start date. PhoxFin automatically queues the correct lessons, assessments, and Applied Projects for that grade — in the correct spiral order — and marks each one with its estimated completion time.
Teachers can add students individually, import a roster via CSV, or connect via a supported single sign-on provider. Students receive a join code that links them to the correct class without requiring a personal email address, which is particularly important for younger grades.
From the teacher roster view, educators can see: lesson completion by student, Core Knowledge Test scores and attempts, Scenario Decision Test results, Applied Project submission status, and current active streaks. Any student falling behind the class pace is flagged automatically, without requiring the teacher to search for the gap.
Daily digest
One email. Everything that happened in your classroom yesterday.
Every school-day morning, teachers in School Mode receive a Daily Digest — a plain-language summary of the previous day’s classroom activity. The digest covers: how many students completed a lesson, the class average on any assessments administered, any Applied Projects submitted for review, any Phoxyn questions flagged for teacher awareness, and any students who have not logged in for three or more consecutive school days.
The Daily Digest is designed to be read in under two minutes. It surfaces the signal a teacher needs to manage the curriculum effectively without requiring them to log into the platform every day to find it.
Adaptive Traits — IEP-adjacent support
Responsive learning. Not a diagnosis.
PhoxFin’s adaptive traits are not a clinical tool and are not designed to replace an IEP, a 504 plan, or any formal learning support document. They are responsive learning adjustments that activate based on how a student interacts with the platform.
When Phoxyn detects that a student has retried the same concept multiple times without success, it activates an alternate explanation pathway — a different framing, a different analogy, a different question sequence — before advancing. When a student consistently engages with visual elements more than text, Phoxyn adjusts its response style accordingly. When a student’s Applied Project responses are significantly shorter or more fragmented than their grade-level peers, Phoxyn adds scaffolding prompts rather than returning a low score.
These adjustments are available to every student on every tier. Teachers in School Mode can see which adaptive pathways are active for each student and include that information in their own formal support documentation if appropriate.
Four certificate tiers
Credentials your students can actually use.
Each grade in PhoxFin produces a per-grade certificate upon successful completion of three requirements: a Core Knowledge Test (assessing recall and comprehension of the grade’s primary principle), a Scenario Decision Test (assessing applied judgment across multi-choice financial scenarios), and an Applied Project (a grade-appropriate, open-ended project submitted for review by Phoxyn and optionally by the teacher).
Financial Readiness — Foundation is awarded for completing all three requirements at or above the minimum passing threshold. It confirms that the student engaged with and passed the grade’s core content.
Financial Readiness — Proficient is awarded when a student scores in the upper range on both assessments and submits an Applied Project rated at or above the proficiency benchmark. This tier is appropriate for inclusion on middle school academic records.
Financial Readiness — Distinction is awarded for top-decile performance across all three requirements. This tier is appropriate for high school resumes, college application activity lists, and scholarship applications.
Financial Readiness — Honors is a cumulative tier awarded only to students who earn Distinction at Grade 10, Grade 11, and Grade 12. It represents mastery of the full upper-secondary spiral and is the credential most suitable for competitive college applications and merit-based financial aid documentation.
All certificates are issued as verifiable Open Badges. They are linked to a permanent, publicly verifiable record hosted by PhoxFin. Any institution — a college admissions office, a scholarship committee, an employer — can verify a badge in under sixty seconds by entering the badge ID on the PhoxFin credential verification page.
Why educators choose PhoxFin
Why educators choose PhoxFin over a one-time module.
Financial literacy mandates are expanding. As of 2025, more than half of U.S. states have enacted or are actively advancing requirements for financial literacy instruction at the K–12 level. Most districts are responding by inserting a single semester module — typically in high school — that covers the basics and checks the compliance box.
PhoxFin takes the position that a single module cannot produce financial literacy any more than a single semester of arithmetic can produce mathematical literacy. The spiral curriculum means your students don’t just receive financial education — they receive financial development. By the time a student in a PhoxFin school reaches the mandated high school requirement, they already have ten years of spiral instruction behind them. The high school year becomes integration, not introduction.
For administrators building a long-term financial literacy program: PhoxFin is the only PreK–12 curriculum that produces a verifiable, tiered credential at every grade level, maps to all three major national standards simultaneously, and includes an AI tutor that adapts to each student individually — at a per-student cost structured to fit district budget cycles.
Request an Educator Demo
We offer live 30-minute walkthroughs for curriculum directors, department heads, and individual teachers considering a classroom adoption. The walkthrough covers the standards crosswalk for your state, a live demonstration of School Mode, the certificate tier process, and the Daily Digest interface.
Or start a free classroom trial — first five lessons, no card required.
What educators are saying
Educators on PhoxFin.
Curriculum directors, classroom teachers, and administrators on the spiral curriculum, School Mode, and the four certificate tiers.
Most financial literacy curricula I've reviewed are a single high-school semester elective. PhoxFin is the first one I've seen that treats financial literacy the way we teach reading — a spiral, starting in PreK, with mastery checks at every grade. The standards alignment is what made our curriculum review committee take it seriously.
K-12 curriculum director, mid-sized public district
Composite reflecting early-access conversations, 2026
The adaptive traits are the part nobody else does. Most platforms have one path for every kid. PhoxFin builds a profile and adjusts pacing, scaffolding, modality. It's not labeled — there's no IEP-style designation — but the adjustment happens. That matters in a classroom with 27 different kids.
4th-grade teacher, charter school network
Composite reflecting early-access conversations, 2026
School Mode plus the Daily Digest is the piece that gets administrators on board. I don't have to log in to track a class. The morning email tells me who finished, who's slipping, what to nudge. That's the workflow that gets adoption past the curriculum-director sign-off and into actual classroom rotation.
Department head, K-8 magnet program
Composite reflecting early-access conversations, 2026
PhoxFin is the only kid-finance product I've seen that's honest about what it isn't. It's not a chore app. It's not a debit card with a coloring book attached. It's a fourteen-year curriculum that produces a graduate who can think about money. The honesty in the positioning is what makes me trust the rest of it.
EdTech advisor, former school board chair
Composite reflecting advisor conversations, 2026